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Where Everybody Knows Your Name

Making your way in the world today takes everything you’ve got. Taking a break from at least SOME of your worries sure would help a lot. That’s where we come in! We’ve got a solution for all your financial needs, and all the modern conveniences to make it easy and secure. From new accounts to business loans, from mobile banking to identity theft protection, from car loans to license stickers, from filing your income tax return to helping you save for retirement … we’re the people you’ve trusted for years, and we’ve got your back. When the rest of the world is one big unknown, come back to the place you know and trust, where everybody knows your name!

F&M Cyber Tip: Review the permissions each mobile app has on your device. Ensure your installed apps have access only to the information they need, and remove unnecessary permissions from each app. Consider removing apps with excessive permissions. Pay special attention to apps that have access to your contact list, camera, storage, location, and microphone.

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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