Online Banking




If you receive a phone call from anyone saying they are with the Farmers & Merchants State Bank or any other financial institution and are requesting any of your personal information such as debit card account numbers, expiration dates, bank account numbers or your social security number, DO NOT GIVE OUT YOUR PERSONAL INFORMATION TO ANYONE!

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Introducing our new Senior Vice President/Lending, Franz Lubenow.



AttentionUseful News In light of the recent Target data breach we have developed the following information for our community.

 Despite efforts to protect customers information, breaches can occur at the point-of-sale anywhere.


Customers are protected by their banks when these retail point-of-sale breaches happen.

                 *Monitoring accounts for indications of suspicious activity.

                 *Blocking and reissuing cards for affected account holders.


There are ways customers can assist to improve security.



Welcome to the Farmers & Merchants State Bank!

Products and specialized services to fit your financial needs:

  • Checking and Savings
  • Great rates on CD s and Loans
  • SBA and FmHA Loan Programs

Whether you are looking to purchase a car or finance your business or farming operating, Farmers & Merchants State Bank can help.

Our friendly staff has the knowledge and expertise to offer customized financial solutions for all of your lending needs.  Contact Us today!



More checks for about half the price!  First order must be placed with bank personnel. Reorder your own checks by clicking the reorder link below and save $1.00 per box! Please check out details below!

Click Here for Details about Check Ordering

Checks For Less