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Save time during the holiday rush with our mobile app!

Well, that went fast! How can it be November already? And you KNOW how fast the rest of the year will go. The holiday busy-ness is upon us, and you don't always have time to get to the bank. If you haven't done it yet, save yourself some time and download our mobile banking app NOW. You can check your account balances, transfer funds, and even deposit checks or pay bills--all from the convenience of your smartphone!

F&M Cyber Tip: One of the most effective ways you can protect your computer at home is to make sure both the operating system and your applications are patched and updated. Enable automatic updating whenever possible.

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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