Bank, Borrow, Save, Succeed.
Find your future with F&M,
where friendly still counts.
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
Annual Tradition of Giving
One of Farmers & Merchants State Bank's four guiding principles is “we do the right thing.” Charitable giving is an essential component of this ideal. We strive to have a charitable-giving program that is thoughtful, deliberate and impactful. One of our giving...
The Local Ledger | Q4 Season of Giving & Gratitude
As the days grow shorter and the air crisper, we find ourselves reflecting on the things that truly matter. This season is a beautiful reminder of gratitude, growth and grace. At Farmers & Merchants State Bank, we have a lot to be thankful for! We're truly...
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...
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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.