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!

🔑June is National Homeownership Month!Whether you’re buying your first home, upgrading, or building your forever home, o...
06/03/2026

🔑June is National Homeownership Month!
Whether you’re buying your first home, upgrading, or building your forever home, our local lenders are here to help make the process simple and stress-free. Let’s make home happen this summer.🏡

https://www.fmstate.bank/loans/residential-real-estate-lending | Member FDIC

Congratulations to Tim Rethmeier on 35 years of dedicated service with F&M Bank!For three and a half decades, Tim has be...
06/03/2026

Congratulations to Tim Rethmeier on 35 years of dedicated service with F&M Bank!
For three and a half decades, Tim has been a trusted resource for our customers and a valued member of our team. His commitment, knowledge, and dedication have helped make a positive impact on our bank and the communities we serve.
Thank you, Tim, for 35 years of excellence. We are grateful for all you do and look forward to celebrating this incredible milestone with you!

✨Help us give a warm welcome to Angie!✨Angie is joining the F&M team as a teller at our upcoming Greenfield branch, and ...
06/02/2026

✨Help us give a warm welcome to Angie!✨
Angie is joining the F&M team as a teller at our upcoming Greenfield branch, and we couldn’t be more excited!🎉 While our Greenfield location isn’t open just yet, we’re counting down the days and getting the dream team ready to serve the community. Be sure to say hi when the doors open soon!💙
www.fmstate.bank | Member FDIC

05/29/2026

Sneak peek alert 🚨💙

Our new Greenfield location is getting closer and closer to opening day, and we’re too excited not to share a little preview. We can’t wait to see you soon!✨

05/29/2026

Your overflowing junk drawer called…☎️
It’s ready for Community Shred Day!😅✂️
Save the date and start gathering those old documents!
August 29, 2026 | 101 W Jefferson St., Winterset

🪴We love helping the next generation learn the value of saving💚Our mini teller line and little savers bookshelf were cre...
05/28/2026

🪴We love helping the next generation learn the value of saving💚
Our mini teller line and little savers bookshelf were created to make financial literacy fun, interactive, and exciting for kids of all ages!
Stop by our little savers area where kids can:
✨Practice filling out deposit and withdrawal slips
✨Pick a prize
✨Grab coloring books & piggy banks
✨Learn smart money habits early!
Visit our little savers area at our Winterset location, 101 W Jefferson St.
https://www.fmstate.bank/personal/other-services/money-tree-club
Member FDIC

🎉Congrats Class of 2026!🎓Your future is bright, your community is proud, and your next chapter starts now! 💙
05/24/2026

🎉Congrats Class of 2026!🎓
Your future is bright, your community is proud, and your next chapter starts now! 💙

05/22/2026

In honor of Memorial Day, we will be closed Monday, May 25th.
We pause to remember and honor the brave men and women who made the ultimate sacrifice for our freedom.

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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