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Farmers & Merchants State Bank is a local bank serving our community’s financial needs with quality products and services. We are committed to exceeding our customers’ expectations with our friendly and professional staff. As a local, independent bank, we do not offer risky products and we pride ourselves on knowing our customers and treating them as individuals, not a number. Our decisions are all made locally, not shuttled off to a head office somewhere down the road. We are your neighbors and we know you!