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FDIC-Insured – Backed by the full faith and credit of the U.S. Government

FDIC logo

FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Business

Everything starts with a conversation.

At Farmers & Merchants Bank, we understand that local businesses are the backbone of our community.  Our Business Banking solutions are built on relationships, not transactions—providing the personalized service, responsiveness, and flexibility that larger banks often cannot match.

The process we use is simple.  Everything starts with a conversation.  We sit down and talk about your business, your goals and aspirations.  From there, we talk internally with our team of lenders, credit experts and executives to brainstorm ideas.  Everything is done locally and aligned with the goal of shared success.  That’s it.  when our local businesses thrive, our entire community prospers.

Business Checking

A smiling cashier in a blue shirt takes a credit card from a customer across the counter.

Business deposit accounts at Farmers & Merchants Bank—checking with local service, digital tools, and treasury solutions.

Business Savings

A smiling barista wearing an apron stands behind the counter in a cozy café.

Business deposit accounts at Farmers & Merchants Bank— savings, money markets, and CDs with local service, digital tools, and treasury solutions.

Business Loans

A man in a blue suit and glasses smiles while shaking hands with a woman.

Grow, expand, and manage your business with confidence — Farmers & Merchants Bank is here to provide flexible, reliable financing tailored to your needs.

Business Services

A person writes in a notebook at a desk scattered with coins, a pink piggy bank, and a brass lamp.

Running a business takes more than hard work – it takes the right financial partner. That’s why we offer a full suite of business services designed to help you manage day-to-day operations, streamline cash flow, and support long-term growth.