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Financial Literacy Month

April is National Financial Literacy Month. Many Americans are insufficiently educated about their personal finances, and Money Management International has developed a myriad of tools and resources to increase your financial knowledge and help you create a personal action plan for financial success. Visit their site for free webinars, worksheets, toolkits, tips, and a 30-step path to financial wellness.

F&M Security Tip: When a major news event happens, cyber criminals will take advantage of the incident and send phishing emails with a subject line related to the event. These phishing emails often include a link to malicious websites, an infected attachment, or are a scam designed to trick you out of your money.

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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