Our Story

Founded in 1919, in the small, rural village of Fowblesburg, by a group of community members, Farmers & Merchants Bank has been a cornerstone for over a century. As a locally owned and operated institution, our independence allows us to provide personalized banking services tailored to the needs of our neighbors. With eight branches across Northern Baltimore County and Carroll County, we are deeply rooted in the communities we serve. From the beginning, we proudly serve our community with a commitment to trusted relationships, financial expertise, and local decision-making.