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College Bound?

Planning for your son or daughter to go off to college soon? Tuition's expensive, and you've got enough to worry about without wondering where you'll get that extra cash to furnish a dorm room or buy another car. We can help make the transition easier. See us today for all your back to school needs.

F&M Security Tip: A common method cyber criminals use to hack into people’s computers is to send them emails with infected attachments. People are tricked into opening these attachments because they appear to come from someone or something they know and trust. Only open email attachments that you were expecting. Not sure about an email? Call the person to confirm they sent it.

Deposit Accounts


We offer a variety of accounts to make it possible to bank YOUR way. From basic checking to money markets and CDs earning competitive interest rates, the choice is yours.

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Loan Products


At Farmers and Merchants State Bank, we understand your needs. We can help with flexible terms that fit your budget. Competitive rates and prompt answers make us the first choice for loans in West Central Illinois.

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Trusts & Investments


With a full service trust department established in 1959, we can provide the professional advice you're looking for. Plan for your future with a wide array of options to meet your needs.

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