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Happy Holidays

♫ ♪ Christmas is the time to say "I love you." ♬ Share the joys of laughter and good cheer! ♪ ♫ The best thing about the holidays is the opportunity to express our gratitude for your continued trust in us. Thank you for being such great friends and loyal customers, and for letting us continue to serve you every year. From all of us to all of you, warmest heartfelt wishes for a peaceful and joyous holiday season, and a blessed and prosperous New Year.

F&M Cyber Tip: Be skeptical of any investment opportunities you receive through email. If you receive an unsolicited investment opportunity through email, it’s very likely a fraud. These scams often claim to be able to make you large amounts of money in short amounts of time or with a very small initial investment. You should ignore any investment opportunities that you have not inquired about directly. If it seems to be too good to be true, it probably is.

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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