Down Payment Assistance Available

Did you know that a down payment typically consists of 5 to 20% of a home’s value? When considering buying a home, the down payment you make can play a major role in your future housing expenses. We can help, with Downpayment Plus®, a matching program that provides down payment and closing cost assistance for income-eligible home buyers. We've already helped 10 new home buyers save an average of over $7,500 on the purchase of their homes. You can be next ... contact us today!

F&M Security Tip: Did you know that according to the Verizon DBIR report, you are 100 times more likely to lose a laptop or mobile devices than have it stolen? When you are traveling, always double-check to make sure you have your mobile device with you, such as when leaving airport security, exiting your taxi, or checking out of your hotel.

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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