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Owning a Home Has Never Been Easier!

For many people, owning a home is the fulfillment of the American dream, and it's one of the biggest financial decisions you will make in your lifetime. We can help. Rates are still low, and with a fast loan process, low closing costs, and programs with very low down payment, we can determine the financing and payment options that are best for you.

We're one of the few banks in the area participating in the Illinois Down Payment Plus (DPP®) program, a matching program that provides down payment and closing cost assistance for income-eligible homebuyers. If you qualify, you could receive up to $6,000 toward the purchase of your new home. Ask us how!

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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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