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Grants Still Available!

Did you know that a down payment typically consists of 5 to 20% of a home’s value?  The down payment you make when buying a home can play a major role in your future housing expenses.  We can help with that!  Through the Downpayment Plus® Program, up to $6,000 may be available to eligible home buyers to use towards down payment and closing costs—significantly reducing your future housing costs.  We’ve already helped 11 new home buyers save for their future.  Contact us today to see if you could be next!

F&M Cyber Tip: Security doesn’t end at your desktop. It’s important to get into the habit of securing your presence through your mobile device as well. Use strong passwords and biometric features, ensure you turn off your Bluetooth, don’t automatically connect to any public Wi-Fi, and download with caution.

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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