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In a world where the only constant is change, we’re always here for you. We work hard to make your life easier … with all the conveniences of a big bank and all the friendliness of a small one. Prefer to do it all online and never deal with a human? You can do that here. Enjoy seeing a friendly face with a kind word? We still bank in person—and we LOVE to see our customers! We’re the hometown bank you’ve always known, and the one you can always count on. And when you walk in the door, it’s just like coming home.

F&M Cyber Tip: Be careful with email auto-complete. This is an email feature that automatically completes a name for you when you begin typing it in the TO field. However, your email app can easily complete the wrong name for you. If you are emailing anything sensitive, always be sure to check the TO field a second time before hitting the send button.

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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