We’re having an Employee Appreciation Day!
All branches will close at 12:00 pm on Thursday, September 25th.
Buying a home is exciting—but it can also feel overwhelming without a plan. At Farmers & Merchants Bank, we believe that with the right timeline, tools, and support, you can go from dreaming to doing. Whether you’re looking to buy your first home in the spring or use the equity in your current home to […]
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Launching a farm is equal parts passion and entrepreneurship. Land prices in Indiana and Illinois can top $10 000 per acre, and equipment costs rise every season. New growers also face cash-flow gaps because revenue arrives months after seeds go into the ground. Traditional banks may hesitate without collateral or credit history, so first-generation […]
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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 […]
Read MoreBuying your first home is one of life’s biggest milestones—and one of the most common sources of stress for new buyers. The excitement of house hunting often gets overshadowed by worries about saving for a down payment, finding the right mortgage, and managing closing costs. Fortunately, there are dedicated first-time homebuyer programs designed to help […]
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Honoring 25 Years for Sara and 40 Years for Karen Every summer, fairgrounds across Indiana come alive with more than livestock shows and lemon shake-ups. They’re places where traditions are honored, confidence is built, and community shines brightest—especially on Queen Contest night. At Farmers & Merchants Bank, we’re proud to celebrate two of our own […]
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Boswell Branch Manager | 4-H Alum | Fair Board Member For Nikki Harman, giving back isn’t a seasonal thing—it’s simply part of who she is. As Branch Manager of our Boswell office, Nikki leads with consistency, care, and a deep connection to the people and places around her. And her involvement with 4-H—both past and […]
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At Farmers & Merchants Bank, we believe in investing in our communities—and that starts with investing in our youth. That’s one of the many reasons we proudly support 4-H. For more than a century, 4-H has been shaping future leaders by teaching responsibility, goal-setting, and the value of hard work. But did you know that […]
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By Samantha Otten Ag-Commercial Lender at Farmers and Merchants Bank Every summer when the fairgrounds fill with the smell of sawdust and the hum of anticipation, I’m reminded just how much 4-H shaped the person I am today. Before I was an Ag Lender at Farmers and Merchants, I was a kid with a bucket […]
Read MorePassing down a family farm is more than a financial decision—it’s about safeguarding a legacy. For generations, families have cultivated land, built businesses, and preserved traditions. But without a formal plan, that heritage is vulnerable. F&M Bank’s long history of serving multi-generational farm families proves we can help families navigate the transition process with […]
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Refinancing your mortgage or other loans can be a great financial move but it’s not always the right decision for everyone. At Farmers & Merchants Bank, we want to help you understand the benefits, potential drawbacks, and key factors to consider when deciding if refinancing is the right choice for you. What Is Refinancing? Refinancing […]
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