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Making Mortgages a Breeze!

It's a breeze to get a mortgage with our new online mortgage application! We offer first-time home buyer programs such as USDA/Rural Development, as well as VA and FHA loans. Choose from conventional fixed or variable rate options to meet your needs, and see if you qualify for down payment or closing cost assistance. Apply anytime, anywhere ... It's a breeze! Get Started!

F&M Security Tip: Secure your home wi-fi router. The most effective steps you can take to secure your wireless network at home is to change the default admin password, enable WPA2 encryption, and use a strong password for your wireless network.

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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