About Us

Why Choose a Community Bank like Farmers and Merchants Bank?

There are many good reasons to choose a community bank for your financial needs. Primarily, we focus our attention on the needs of local residents, local businesses, and local farmers. Conversely, many of the nation's mega banks are structured to place a priority on serving large, national corporations and often miss the mark in providing the personalized, customer service that our customers have grown to expect.

Unlike the larger banks that may take deposits in one state and lend in others, community banks like Farmers and Merchants Bank reinvest your deposits back into the community in which we serve, by extending loans in the neighborhoods where our depositors live and work thus helping to keep our local communities vibrant and growing. Our community bank officers are accessible to our customers, right here in this community. If you have a banking issue, and would like to speak directly with our bank President, he is a phone call, or email away. Additionally, you will find our staff deeply involved in local community events, business organizations, sports teams and much more. Because we are also a small business, we understand the needs of small business owners. Just give us a call to learn more, or stop by one of our local branches to speak with us. We are here to assist with straightforward deposit and financing solutions for our valued bank customers.

Our History

From the beginning, Farmers and Merchants Bank has remained locally owned, operated and headquartered in Upperco, MD. A public banking institution founded in 1919, our independence has allowed us to provide customers with a team of local bank professionals that care deeply about our customers and their personal and business success. We currently operate seven traditional branches and one commercial banking office to serve our local communities - Upperco, Hampstead, Greenmount, Reisterstown, Owings Mills, Westminster, Eldersburg, and Towson.

President’s Welcome

Thank you very much for selecting and reviewing our newly updated and enhanced website. It is with much enthusiasm that we have created a first class website to be able to provide information and resources in an easy to navigate and attractive environment.

As you cruise through our site you will see a wealth of information about our vast array of deposit and loan products along with a number of helpful financial calculators.  Please take advantage of 24/7 banking convenience by enrolling in our on-line banking product. This system has now been expanded to offer mobile banking and electronic statement delivery (e-statements).

The Investor Relations link will allow you to review the current and historical financial performance of the bank including multiple, record years of net income.

You will also find helpful information about our branch locations, branch hours, ATM locations and a directory that will enable you to easily contact our officers.

We are very proud of our service to our community and we welcome the opportunity to assist you in fulfilling all of your personal and business financial needs.  Thank you for your support. We sincerely value and appreciate every customer and every opportunity to be of service.

Sincerely,

Gary A. Harris
President

Careers with F&M

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