“Without the support and expertise of Crystal and everyone at Farmers & Merchants State Bank, I wouldn’t have been able to purchase my business. They took the time to walk me through the loan process, answered my questions and most importantly treated me with respect. With their advice and guidance my business will continue to thrive and grow.”

“A good banker needs to know you and your needs to take the time to know a lot about your business in order to help you effectively. Jeff has always gone that extra mile to help us effectively utilize our bank. He has always taken the time to listen and to learn about us and our business and always has good suggestions about how we can effectively use our banking relationship. He’s a key part of our business growth”

“F&M has been a great bank to work with. I like the fact that their decisions are made locally. They have always given me great rates and their bankers are friendly and professional. I look forward to working with F&M on future needs for my business!”

"Grateful cannot even begin to express what our community partnership with F&M State Bank truly means. When partnerships work, we build better communities and F&M has been instrumental inhelping to make Archbold a better community. Support of the programs and special events we offer,as well as financial backing in the development of our new splash pad proves that F&M is passionate about Archbold and shares the same goals as the Parks & Recreation Department: to provideopportunities to the residents and visitors.”

"Our family business has experienced amazing growth and success over the last few years, and that would not have been possible without our relationship with Doug Shaw at F&M Bank. Doug has given us many options to enhance how we operate, allowing us to navigate the economic environment. F&M has allowed our business the opportunity to have an even bigger positive impact on our customers, employees, and the community. We are very grateful to have a local bank that shares the same values that we do, and look forward to a bright future!"

“Without your organization, Idon’t know if my family could survive.” As a representative for CommunityHarvest Food Bank, this has been said to me so many times by persons from all over our nine county region at different distributions. The look in the eyes of so many as they receive food can be overwhelming and makes me grateful for being able to share in those moments. Those moments are not possible without the support of organizations such as the Farmers and Merchants State Bank. Thank you for thinking of Community Harvest Food Bank as a “charity of choice” that day. I only wish you could share in some of those moments that I described! All of us here at CHFB thank your organization for your kind consideration of our mission.”

“F&M has been our bank of choice for personal finances since 1998. In April 2017, we moved all of our business banking to F&M. We have been extremely satisfied ever since. Dan has given us the personal service rarely given in today’s banking environment. He truly takes an interest in our business and even in our family as well. We feel with F&M, we get trustworthy service and a staff that strives to meet our financial goals.”