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The Future is Now!

There's never been a better time to start living your best life! Is this the year you'll finally become a homeowner? Or upgrade from that starter home to the home of your dreams? Or maybe the year you start a new business? Or buy that boat you've always wanted and retire to the lake? Whatever you've been dreaming of for the past decade, it's time to seize the day--and we can help! Loan rates are low, and pre-approval is fast and easy. (You can even apply online!) Contact us today, and make 2020 your best year yet!

F&M Cyber Tip: You may be aware that scammers will try to trick you over the phone or through phishing emails, but do you realize you can also be attacked via social media, such as through Snapchat, Twitter, Facebook, or LinkedIn? Just like in email, if you get any social media messages that are highly urgent or too good to be true, they may be a scam.

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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