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  • Cash Management Services

    Our services are focused on making it easier for business owners to collect and distribute payments.

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  • Find Your Home Loan

    Our lenders will work with you to help you find the right loan to get you into the right home.

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  • Mobile Banking

    Our mobile banking app allows you to access your money on the go from your smartphone

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Video Library

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ClickSwitch

Mobile Banking

Mobile Banking

Online Banking

Online Banking

Home Loans

Home Loans

Today's Mortgage Rates

30 Year Fixed Rate - Serviced by F&M State Bank - Conventional

Rate APR Points
6.500% 6.594% 0%

15 Year Fixed Rate - Serviced by F&M State Bank - Conventional

Rate APR Points
6.000% 6.152% 0%

7 Year Adjustable Rate-Serviced by F&M State Bank - Conventional

Rate APR Points
7.250% 7.348% 0%

3 Year Adjustable Rate-Serviced by F&M State Bank - Conventional

Rate APR Points
7.000% 7.189% 0%

 

Home Equity Line of Credit Special - Home Equity

Rate APR Points
7.500% 7.500% 0%

 

Go Mobile With Our Mobile Banking App

Take full control of your banking needs and maintain access to your accounts from almost anywhere with the Farmers & Merchants State Bank mobile banking app. Available for Apple and Android devices, this app allows you to access your accounts, make transfers, deposit money and much more. Our goal is to make your banking experience with us as convenient as possible, and we encourage you to download the app from your device's app store provider to start taking advantage of its features. If you want to learn more about our mobile banking services, click the button below.

 
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Mortgage Lending Tailored to You

Farmers & Merchants State Bank is a local lender you can trust. We take great pride in working with members of our community to help them find the right mortgage lending solution that works best for them and their family. Our team is ready to have a conversation with you to discuss your borrowing needs. All decisions related to your loan are handled by our lenders in our offices, so you always know who you're working with. 

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