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Now Offering Credit Cards!

Our new MasterCard® offers everything you’d expect from large credit card companies, but with the convenience and comfort of being from your hometown bank. We're offering a generous rewards program, enabling you to earn one point per dollar spent with no point cap, and earn quarterly bonus points in rotating merchant categories. See us today!

F&M Security Tip: Shred sensitive papers, including receipts, banks statements and unused credit card offers before throwing them away. For papers you must keep, like tax documents, keep them in a secure place.

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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