Fulfill your dreams. Get the right loan for you.
Farmers & Merchants State Bank offers a range of loan options to suit your needs. From small personal loans to substantial lines of credit, we're here to support you. We understand that unexpected expenses arise, and you need prompt attention and reliable answers. With three dedicated lenders on hand, we're ready to assist you with any financial need you may have.
Consumer | Personal Loans
Whether you're planning to buy a new car, take a family vacation, or need extra cash for unexpected expenses, we're here to help with all your lending needs. Our team is ready to support you every step of the way.
Residential | Home Improvement Loans
Thinking about moving to a new home, building from scratch, or remodeling your current one? Stop by and meet with one of our loan officers - they'll sit down with you to explore your options and find the best solution tailored to your needs.
Community Development | Small Business | Commercial Loans
Are you starting a new business or purchasing an existing one? We're here to help make your dream of business ownership a reality. Our team will guide you through your options, helping you make the best decision for your specific needs. If you need an operating loan to support day-to-day operations, we can help with this too!
Ag Loans
Purchasing cattle or more acres? Or do you need a line of credit to support your agricultural operation? We are here to assist you—whether you're a new farmer or a seasoned pro.
To provide the best possible services for our ag customers, we have partnered with leading farm programs to offer options like the FSA Guaranteed Farm Ownership Loan, FSA Guaranteed Farm Operating Loan, and Farmer Mac loans for real estate purchases. Stop in to visit with us, or call us, to chat with our Ag Loan specialist about your lending needs.
ZuntaFi Student Loans
Farmers & Merchants State Bank works directly with ZuntaFi to provide flexible and reliable financing options to help students and families manage the cost of higher education. With a range of loan choices, ZuntaFi supports students through competitive rates, adaptable repayment plans, and a commitment to personalized customer service.
Whether it's for tuition, textbooks, or living expenses, ZuntaFi aims to make education financing straightforward and accessible. Through our partnership with ZuntaFi, we are dedicated to helping borrowers understand their options and find solutions that fit their individual needs. Stop in or call us to learn more about ZuntaFi's student loans or apply online by going to the ZuntaFi website.