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Congrats, Grads!

Congratulations to all area graduates!  We’re proud of all you’ve accomplished, and we know you’ll go on to do great things.  We’d love to help you out when life’s opportunities knock …. When you need a car to go off to college, when you need a business start-up loan, when you’re searching for your first home, when you need to invest for retirement … Keep us in mind for all those milestones, and all the smaller steps along the way.  We’re the ones to turn to when the going gets tough, and we’ll be here to celebrate all your successes.  It’s a great big world out there, and we’ll be right behind you as you go out and make it better!   

F&M Cyber Tip: Using technology securely can be overwhelming or confusing, especially for those who did not grow up with it. When helping secure those who are uncomfortable with technology, focus on just the basics:  1) Be aware of social engineering attacks, 2) secure your home network, 3) keep your systems updated, 4) use strong, unique passwords, and 5) back up key personal data.

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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