Who We Are

Since 1916, we've built our bank on the belief that each and every client is important. Because of our personal approach to banking, today we offer a combination of technology, convenience and service you won't find anywhere else.

Farmers & Merchants Savings Bank was chartered on March 1, 1916. The name was changed in 1965 to Farmers & Merchants Bank & Trust and we continue to be locally owned and operated.

Our history is the story of people - people with roots deep in the community. Their knowledge and experience have contributed to what is one of the most stable banks in Greater Burlington. We have endured and progressed with the changing times and have responded to various economic and banking policies, ever mindful of the welfare of the community, employees and clients we serve.

In 108 years, many things have changed in the banking industry, but our bank has never wavered from our guiding principles - give people the type of bank that they want and need. F&M Bank & Trust is more than just a great bank. It's a true community bank.