Farmers & Merchants State Bank

Farmers & Merchants State Bank Locally owned. Community focused. Proudly serving Winterset, St. Charles, Orient, Greenfield, and surrounding Iowa communities.

Banking that's simple, friendlier and local: Many banks claim more, but at F&M Bank, we really deliver on that promise. Because to us, "more" means something more. We're proud to offer all the convenient banking technology you need, with a team of people who care about investing locally, helping their neighbors and making decisions based on more than just numbers. Count on us for all your local banking needs!

06/15/2026

✨🏦Greenfield, you’re in good hands!
Meet your branch manager, a familiar F&M face with 15 years of experience helping customers across our communities. He’s stepping into our new Greenfield branch ready to keep doing what he’s doing best: helping people reach their financial goals!
💬Stop in, say hello, and give him a warm Greenfield welcome!
📍Now open!

06/15/2026

Our Greenfield branch is officially open!

06/14/2026

Flag Day honors the adoption of the American flag on June 14, 1777. A lasting symbol of freedom, unity, and the generations who have proudly stood behind it.
Today we celebrate the stars and stripes and all they represent. Happy Flag Day! ❤️🤍💙

🏡🔑In honor of National Homeownership Month, we’re celebrating a special closing with F&M State Bank! Helping a first-tim...
06/12/2026

🏡🔑In honor of National Homeownership Month, we’re celebrating a special closing with F&M State Bank!
Helping a first-time homeowner “say yes to the address” is what it’s all about, and our team was proud to be part of making it happen!
Congratulations to the new homeowners and to Jeramy on an exciting start to many more closings ahead!🔑✨

💙Banking local matters.At F&M, you’re more than an account number, you’re part of our community. Thank you for continuin...
06/12/2026

💙Banking local matters.
At F&M, you’re more than an account number, you’re part of our community. Thank you for continuing to support local banking and local relationships!

www.fmstate.bank | Member FDIC

We’re growing, and so is your opportunity to save! 🪙In celebration of our 4th location, we’re offering a 4.00% CD Specia...
06/11/2026

We’re growing, and so is your opportunity to save! 🪙
In celebration of our 4th location, we’re offering a 4.00% CD Special!
Grow your savings with a strong local bank you can trust.💰
Available at all F&M State Bank locations.
www.fmstate.bank

Summer plans add up fast. Ice cream stops, ball tournaments, vacations, and family fun.☀️Keep the ¢hange makes it easy t...
06/10/2026

Summer plans add up fast. Ice cream stops, ball tournaments, vacations, and family fun.☀️
Keep the ¢hange makes it easy to save with every swipe. Make a purchase with your F&M debit card, and we round up to the nearest dollar and transfer the difference to your F&M Savings account. 💸
Easy, automatic, and a great way to grow your savings over time!
https://www.fmstate.bank/personal/other-services/keep-the-change | Member FDIC

🚨The countdown is over, Greenfield!🚨We're excited to officially open our doors on Monday, June 15th! Thank you for your ...
06/09/2026

🚨The countdown is over, Greenfield!🚨
We're excited to officially open our doors on Monday, June 15th! Thank you for your patience and support as we've prepared our newest location. We can't wait to welcome you in, show you around, and serve the Greenfield community years to come.
See you soon!💙

🏡Hometown roots. Hometown service.🏡As a born and raised Winterset native, Connor knows what makes this community special...
06/09/2026

🏡Hometown roots. Hometown service.🏡
As a born and raised Winterset native, Connor knows what makes this community special. We're excited to have him serving the people and businesses of the town he calls home as our newest Loan Officer! Drop a 👋🏼 in the comments to help us welcome him!

Address

101 West Jefferson Street
Winterset, IA
50273

Opening Hours

Monday 8:30am - 4pm
Tuesday 8:30am - 4pm
Wednesday 8:30am - 4pm
Thursday 8:30am - 4pm
Friday 8:30am - 4pm
Saturday 8:30am - 11am

Telephone

+15154624242

Website

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