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Happy Holidays

New Year? Yes, please! As we look back over the challenges of the past year, we know that despite it all, we’ve been blessed. During this holiday season more than ever, our thoughts turn gratefully to those who have made our business possible. It is in this spirit we say, simply but sincerely, THANK YOU and best wishes for a healthy holiday season. We wish you all the love and happiness this season can bring, and may it follow you throughout the coming new year. Here’s to better times ahead for us all!

F&M Cyber Tip: When attending a video conference, make sure you are using the latest version of the conferencing software. In addition, if you are using the video option make sure there is nothing sensitive behind you that others would see.

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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