Farmers & Merchants State Bank

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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!

👀 Behind the Counter with Jamie!Next up, we’re heading to our St. Charles Branch to get to know Jamie a little better! 💙...
10/20/2026

👀 Behind the Counter with Jamie!
Next up, we’re heading to our St. Charles Branch to get to know Jamie a little better! 💙
She can recognize customers before they even get out of their car 🚗😂, runs on lavender lemonade & Fast Breaks, and apparently has a hidden talent for making some pretty impressive balloon arches! 🎈
After all her years at F&M, it’s safe to say Jamie knows her customers and her community! ❤️
Stay tuned for more Behind the Counter!

10/19/2026

🌳 Calling all Money Tree Kids! 🛼
Our Skate Party is getting closer! Join us Saturday, November 7 from 1–3 PM at Sk8tin Station for an afternoon of FREE family fun! 💚
We can’t wait to see you there!

10/16/2026

🌱💰 Little Savers, BIG Futures! 💰🌱
We had some very special visitors at F&M today! Ashton showed them the fun machines we use at the bank, the safe deposit boxes, and even some of the mystery features we look for on money to make sure it’s real! 🔍💵
Each kid also got to leave with their very own piggy bank and a book! 🐷📚
We love welcoming kids to F&M and teaching them how fun saving can be. Banks don’t have to be scary. They can actually be pretty fun! 💚🏦
Thanks for visiting us, little savers! 🐢✨ Sprouts Preschool & Daycare LLC

Happy National Boss’s Day! 💙💛Today we’re celebrating the leaders who guide, encourage, and keep things moving every day....
10/16/2026

Happy National Boss’s Day! 💙💛
Today we’re celebrating the leaders who guide, encourage, and keep things moving every day.
We appreciate all you do! ☕👏

💳 It’s Get Smart About Credit Day!Good credit doesn’t happen overnight—it’s built one smart choice at a time. 💡✔️ Pay bi...
10/15/2026

💳 It’s Get Smart About Credit Day!
Good credit doesn’t happen overnight—it’s built one smart choice at a time. 💡
✔️ Pay bills on time
✔️ Keep balances manageable
✔️ Use credit responsibly
✔️ Check your credit report regularly
Building good credit today can help open doors to your goals tomorrow! 🏡🚗✨
Start here. Bank here. Grow here.
Member FDIC

We saved you a spot on the team! 💙💛F&M State Bank is looking for a Full-Time Receptionist to join us in Winterset! If yo...
10/14/2026

We saved you a spot on the team! 💙💛
F&M State Bank is looking for a Full-Time Receptionist to join us in Winterset! If you love helping people, can keep things organized, and are looking for a great team to be part of, this could be the opportunity for you.
Know someone who would be a great fit? Tag them or share this post with them!

👀 Behind the Counter with Sara!This time we’re stopping by our Winterset Main Bank to get to know Sara a little better! ...
10/14/2026

👀 Behind the Counter with Sara!
This time we’re stopping by our Winterset Main Bank to get to know Sara a little better! 💙
☕ A Petite Cafe coffee or Den drink can fix a workday, 💵 she knows way too much about how dirty cash really is 😂, and she’s always there for the laughs with her Main Bank crew!
Her bucket list? Learn the fiddle, publish a book AND hike part of the Appalachian Trail! 👏
Stay tuned for more Behind the Counter!

🍂 Fall into saving with Keep the Change!A little change can add up to something BIG. 💰 With Keep the Change, your everyd...
10/13/2026

🍂 Fall into saving with Keep the Change!
A little change can add up to something BIG. 💰 With Keep the Change, your everyday debit card purchases are rounded up to the nearest dollar, and the difference is automatically transferred to your savings.
Same purchases. More savings. 🙌
Contact us to learn how to get enrolled today!
https://www.fmstate.bank/personal/other-services/keep-the-change | Member FDIC

🍪🍦We’re wrapping up Customer Service Week on a SWEET note! Today at our Winterset locations, we’re serving up delicious ...
10/09/2026

🍪🍦We’re wrapping up Customer Service Week on a SWEET note!
Today at our Winterset locations, we’re serving up delicious chocolate chunk cookies from Fareway, and in Orient, it’s PIE + ICE CREAM! 🥧🍦
And of course, we have more of our beautiful mum winners to celebrate! 🌼 Congratulations to today’s winners!
Thank you to everyone who stopped in, enjoyed a treat, entered our drawings, and helped make this week so much fun. We are so thankful for our customers and the communities we get to serve every day! 💙
Happy Friday from all of us at F&M! 🎉

👀 Behind the Counter with Amy!Next up, we’re heading to our Orient Branch to get to know Amy a little better! 💙When she’...
10/09/2026

👀 Behind the Counter with Amy!
Next up, we’re heading to our Orient Branch to get to know Amy a little better! 💙
When she’s not at the bank, you might find her reading, checking cattle with her husband, or cheering on her kids at the Adair County Fair! 🐮📚 And if she hits the lottery? A boat or UTV might be first on the shopping list. 😂
Her favorite part of working in Orient? The small-town feel and getting to interact with our customers! ❤️
Stay tuned for more Behind the Counter!

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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