Tax Time!

Another year has come and gone and that means it's almost tax time again!

W-2s and 1099s are likely making their way to your mailbox now, if they haven't already arrived, and this is the year you get to try to decipher the new affordable health care laws and how they affect your income taxes. If you're already overwhelmed, we can help. Put your return in the hands of our tax preparers. We'll make sure you get every deduction you're entitled to, and efile your return for a speedy refund. See us today!

F&M Security Tip: Be conscientious of what you plug in to your computer. Malware can be spread through infected flash drives, external hard drives, and even smartphones.

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.

Learn More

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.

Learn More

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.

Learn More