Through the years, The Farmers & Merchants State Bank has made it our number one goal to be here for you. That will never change. F&M’s commitment is to ensure that community banking continues to grow and prosper by providing quality customer service and effectively supplying the right products to meet the financial needs of individuals, farmers, businesses, and industries within our market area. F&M has been a stable financial institution for over 125 years and that will not change!