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
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...
The Local Ledger | Q3 2024 – Summer
In Minnesota, we savor our Summers and cram each day as full as possible with local parades, music festivals, town ball tours, county fairs, lake adventures, golf outings, farmers markets, field days, food (fresh watermelon, sweet corn and deep-fried carnival fare),...
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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.