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Protect Yourself!

It's become an almost weekly occurrence: Card data breaches continue at various merchants across the U.S. As cyber fraud trends continue, we're looking for ways to protect our customers. With our mobile app, you can turn your card off when you don't need it, and turn it on when you do. What a great way to protect yourself against card fraud. Download our mobile app today!

CONSUMER ALERT: The U.S. Federal Bureau of Investigation has warned retailers to expect more attacks on data security. The agency has reportedly reviewed 20 incidents over the past year that were similar to the recent breaches on Target, Neiman Marcus, and Michaels.

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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