Farmers & Merchants Bancorp (OTCMKTS:FMCB) is the bank holding company for F&M Bank, a community‐focused financial institution headquartered in Indiana. Since its establishment in 1989, the company has aimed to support local households, farms and businesses through a comprehensive suite of banking services. Operating primarily across south central Indiana and western Kentucky, Farmers & Merchants Bancorp maintains a network of branches and ATMs that serve both rural towns and growing suburban markets.
The company’s core business activities include consumer and commercial lending, deposit accounts, treasury management and mortgage services. On the consumer side, F&M Bank offers checking and savings accounts, home equity lines of credit, fixed‐rate and adjustable‐rate mortgages, as well as vehicle and personal loans. For businesses, the bank provides working capital loans, equipment financing and agricultural credit, complemented by cash‐management solutions designed to streamline payroll, receivables and payables.
In addition to traditional banking, Farmers & Merchants Bancorp delivers wealth management and trust services through its investment advisory arm. Clients can access retirement planning, trust administration, estate planning and insurance products. The company’s emphasis on personalized service is reinforced by local relationship managers who collaborate closely with customers to tailor financial strategies that meet both short‐term needs and long‐term objectives.
Governance and leadership at Farmers & Merchants Bancorp are rooted in deep community ties and banking expertise. The senior management team comprises seasoned executives with decades of experience in retail and commercial banking, risk management and regulatory compliance. Oversight is provided by a board of directors drawn from regional business and civic leaders, ensuring that the company remains aligned with the economic well-being of the communities it serves.
