Main

Not Again?!

A hacker stole the data of more than 100 million people in the United States and Canada. It's one of the largest ever data breaches of a major bank, compromising about 140,000 Social Security numbers and 80,000 bank account numbers, among other pieces of data. Capital One says it'll let you know if your data was affected, but WHY WAIT? ID TheftSmart will monitor your credit, detect fraudulent activity, and let licensed investigators restore your identity if you do fall victim to identity theft. Sign up today!

Check your bank statements on a regular basis. (Online banking can help you do that easily!) Look for suspicious activity and, if any, alert your bank as soon as possible to get the fraud stopped. We can work to get your money back and get you a new debit card.

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.