Bank, Borrow, Save, Succeed.
Find your future with F&M,
where friendly still counts.
Welcome to a bank that truly listens. For everything from personal and business banking to ag and commercial lending to retirement savings, we’re here to serve you locally.
Bank
Borrow
Save
Bank
Whether at one of our three locations or right here online, Farmers & Merchants State Bank has banking solutions for all of your personal and business needs.
Borrow
Need a loan? Looking to buy a home? Expanding your business? Explore the financing options offered here at Farmers & Merchants State Bank.
Save
From savings accounts to interest-bearing investments, we have many options to help you save your money safely and wisely.
What’s New
Drop Off Your Shoes at F&M!
Got some gently used shoes lying around? Why not donate them to the Eden Valley-Watkins Student Council Shoe Drive? The drive goes until Oct. 24. Their goal is 100 bags of shoes. Farmers & Merchants State Bank is one of the drop-off points. We're happy to help by...
MN Best 2024 Bronze Winner
We are thrilled to announce that we’ve received a Bronze Minnesota's Best Award in the Services-Bank category for a second year. Thank you to all who nominated and voted for us! Minnesota’s Best is a best-of contest. It is audience-driven…which means winners are...
F&M: Our Story
Take a look at this video to hear about our longstanding history in this community, where Farmers & Merchants State Bank has served generations of customers for everything from farm and ag-related banking to business banking and personal banking.
Let's Get Started
Questions? We're ready for you. Come visit us in person or simply pick up the phone. We look forward to sharing the friendly Farmers & Merchants State Bank experience with you.