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Protect Your Identity

Don't wait for another major online data breach. Take steps now to protect your credit and online identity with ID TheftSmart, our comprehensive identity restoration solution. We can provide various options to monitor your credit, detect suspicious activity, and let licensed investigators restore your peace of mind in the event of fraud. It's easy and affordable to protect your identity with ID TheftSmart. Find out more and apply online!

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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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