Waiting for the Mail?

Effective Oct. 1st, the United States Postal Services has implemented new service standards for First Class Mail.  They do not expect increased delivery time for first class mail traveling within a local area, but you may need to plan ahead for the holidays, and allow extra time for those cards and packages you’ll be mailing long-distance.  Find out more at

Now may be a good time to reassess your business mailing needs, and if you haven’t done so, consider electronic bank statements.  Going paperless means no waiting for your statement to arrive in the mail, and no chance of it being stolen out of your mailbox.  In addition, you’ll save paper and spend less time filing.  Contact us today, or find out more at

F&M Cyber Tip:Do you plan on giving away or selling one of your older mobile devices? Make sure you wipe or reset your device before disposing of it. If you don't, the next person who owns it will have access to all of your accounts and personal information.

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

This link will navigate you away from our domain. We are not responsible for and have no control over the content or subject matter of this link.