Farmers & Merchants State Bank

06/22/2026

Think your credit score has to be perfect before you can buy a house? Not necessarily.

Your score matters, but it’s only one part of the mortgage picture. Income, debt, savings, down payment, and loan type can all play a role too. If you’ve been putting off the conversation because you’re nervous about your credit, this guide is a good place to start.

Read the full guide here:

Wondering what credit score you need to buy a house? Learn how credit affects home loans and why your full financial picture matters.

06/22/2026

Please join us in congratulating Hannah on her promotion to Assistant Branch Manager at our Lake Mills branch!

We're excited to see Hannah step into this new role. Her positive attitude, willingness to help others, and dedication to our customers and community make her a great fit for the position.

We're proud to have you on our team, Hannah, and can't wait to see all the great things ahead. Congratulations on this well-deserved promotion!

06/21/2026

Dad Joke of the Day:
What do you call someone who's happy on Father's Day?

A glad-dad! 😎

From all of us at F&M State Bank, we wish you a day filled with family, laughter, and plenty of terrible dad jokes.

Happy Father's Day! 💙

06/18/2026

Just a friendly reminder that all F&M State Bank locations will be closed on Friday, June 19, in observance of Juneteenth.

We will resume normal business hours on Saturday, June 20th.

06/17/2026

Scammers are getting more convincing, and some are even using AI technology to do it.

At Farmers & Merchants State Bank, we’re here to spread awareness on the latest fraud tactics:

▪️ Cloning familiar voices from short audio clips
▪️ Writing emails that sound polished and personal
▪️ Spoofing phone numbers and emails to look like they’re from a trusted contact
▪️ Creating urgent situations designed to pressure quick decisions

The days of identifying scams by poor grammar or misspellings are past. Now, we’re encouraging customers to ask themselves a few questions before transferring money or making payments. Is the request suspicious? Is there a sense of urgency? Is payment being requested in an unusual manner such as wire transfer, gift card, or cryptocurrency?

Staying alert can help you protect your personal and financial information. Share this with a parent or grandparent you want to protect!

Member FDIC.

06/15/2026

We're Hiring!

Learn more and apply today at our Careers page https://www.fandmstbk.com/about-us/careers

Looking for a career where you can make a difference in your community? F&M State Bank is seeking a Personal Banker to join our team.

If you enjoy helping people reach their financial goals, building lasting relationships, and providing exceptional customer service, we'd love to meet you!

At F&M State Bank, we're more than a bank—we're Your Partner for Life.
F&M State Bank is an Equal Opportunity Employer.

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06/10/2026

We’ve been there: finding the perfect home, rushing to make an offer, and trying to line up closing dates.

With the Buy Now, Sell Later loan from Farmers & Merchants State Bank, there’s no rush to sell before you buy. Instead:

▪️ Secure your next home first
▪️ Move on your timeline, not the market’s
▪️ Take your time selling
▪️ Avoid the stress of juggling two moves or temporary living situations

The Buy Now, Sell Later loan is designed to give you the flexibility to focus on finding the right home without the pressure of perfect timing. Learn more: https://ow.ly/jEsw50Z0fFw

Member FDIC. Equal Housing Lender.

06/09/2026

🚨 We've Extended Registration! 🚨

Good news! We still have a few seats available, so we've extended the sign-up deadline for our bus trip!

Don't miss this opportunity to join us

SIGN UP HERE
https://www.eventbrite.com/e/fm-bus-trip-to-the-paine-w-lunch-tickets-1984332397618?aff=oddtdtcreator

06/05/2026

F&M Customers!!!
Stop by the Lake Mills Branch today between 11am - 1pm for your free hotdog meal!

06/05/2026

A big congratulations to our very own Angie Simarron-Perez on graduating from Waterloo WI School District this weekend!

We love having Angie on the F&M team and are so proud of everything she's accomplished. Wishing her all the best as she starts her next adventure... don't worry, you'll still see her around the bank :)