Banking is an essential business! Though our lobbies are currently closed to the public, our drive-up remains open during regular business hours. For other needs, please call us at (309) 772-2171. Please utilize our many digital services during this time. If you need help enrolling, please call.

We are currently waiving all ATM fees for our customers. Also, we will offer NO FEE payment extensions for most loan types. For additional details, please contact our loan department by phone at (309) 772-2171 or by email at

During this unprecedented time of global pandemic, we realize the impact and ripple effects this will have on our customers and community. If we can assist in any way, please contact us. Together, we will make it through.

For additional information about COVID-19, visit the Centers for Disease Control and Prevention at

F&M Cyber Tip: Be aware of scammers taking advantage of fears surrounding the coronavirus.Cybercriminals will always take advantage of global catastrophes. They will typically try to exploit those who attempt to provide financial support, and will launch many fake websites, such as Coronavirus tracking websites or medical advice websites, in an attempt to get victims to transfer money to help victims. At a time when many events are being cancelled, cybercriminals will use phishing scams on fake news, refunds, changes of schedules, and many other ways to get victims to give up their credit card information or credentials.

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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