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Personal Solutions

At Farmers and Merchants State Bank, our goal is to provide you with financial freedom and security. 

Personal Banking Products & Services

Whatever your financial priorities or needs might be, Farmers and Merchants State Bank has the ideal selection of products and support to help you meet your financial goals. Explore our Personal Banking solutions.

Auto Loans

Get the vehicle you need with financing options that work for you.

Certificate of Deposit (CDs)

CD options that let you choose the terms.

Digital Banking

Online banking, mobile banking and digital payment solutions.

Individual Retirement Account (IRA)

It's never too late, or too little, to start saving for retirement.