Rooted in Agriculture: Customized Banking Solutions for Local Farmers

At Farmers & Merchants Bank, agriculture isn’t just part of the local economy—it’s part of who we are. For generations, we’ve worked side-by-side with local farmers, providing financial solutions tailored to the unique challenges and opportunities of life on the land.

We understand that farming isn’t a 9-to-5 job. It’s a way of life that requires careful planning, quick decisions, and long-term thinking. That’s why we offer ag banking services designed to grow with you—season after season.

Understanding the Needs of Local Farmers

Every farm is different. Whether you’re raising livestock, growing crops, running a specialty operation, or doing a little of everything, your financial needs are as unique as your farm. At Farmers & Merchants Bank, we take the time to understand your operation so we can build a banking relationship that works for you.

Because we live and work in the same communities you do, we understand local markets, seasonal cycles, and the realities of rural life. Our ag bankers are more than lenders—they’re trusted partners who are just a phone call (or a visit to the field!) away.

Customized Ag Banking Solutions We Offer

We’re proud to offer a full suite of agricultural financial tools to support your growth and stability:

• Operating Lines of Credit – Manage day-to-day expenses like seed, feed, fertilizer, and equipment repairs with flexible financing that fits your cash flow.
• Equipment Loans – Upgrade your tractors, implements, or technology with financing options designed to meet your long-term goals.
• Real Estate Loans – Purchase new land, expand your acreage, or refinance with competitive terms and local insight.
• Livestock Financing – Whether you’re starting a herd or expanding an operation, we offer tailored solutions for cattle, hogs, poultry, and more.
• Farm Improvement Loans – From drainage systems to grain bins, we can help finance the infrastructure that keeps your farm running efficiently.

Local Decisions. Lasting Relationships.

At Farmers & Merchants Bank, we make decisions locally—right here in your community. That means faster turnaround, more flexibility, and people who truly understand your goals. We’re not just here to process loans—we’re here to build relationships that last for generations.

More Than Just a Bank

We’re proud to support the local ag community not only with customized financial services, but also by showing up at county fairs, 4-H auctions, and community events. When farmers succeed, our entire community grows stronger.

We know your work is essential. That’s why we’re committed to providing ag banking solutions that make it just a little easier—and a lot more personal.

Ready to talk about your farm’s financial future? Let’s grow together. Contact your local Farmers & Merchants Bank ag lender today.

NMLS #718145
published on 08/06/2025