Farmers and Merchants Bancshares (OTCMKTS:FMFG) is a bank holding company headquartered in Farmersville, California. Through its subsidiary, Farmers & Merchants State Bank, the company delivers a comprehensive suite of financial products and services to individuals, families and businesses. As a locally focused institution, it emphasizes relationship-based banking and tailored solutions designed to support community growth and economic development.
The company offers a range of deposit accounts, including checking, savings and money market accounts, as well as certificates of deposit. On the lending side, it provides residential and commercial real estate loans, agricultural financing, small business loans and lines of credit. Wealth management services, trust administration and retirement planning are also available, delivering personalized guidance to help clients preserve and grow their assets over the long term.
Farmers & Merchants operates multiple branch locations across California’s Central Valley, serving communities in Tulare, Kings and Kern counties. Its market focus combines traditional community banking practices with modern digital tools, enabling customers to access online and mobile banking platforms alongside in-branch support. The bank’s local footprint allows it to maintain deep ties with area residents, business owners and agricultural producers, fostering partnerships that reflect the needs of the region.
Founded in the early 20th century, Farmers & Merchants Bancshares has grown organically through a commitment to conservative risk management and personalized service. The company is led by a management team with decades of experience in community banking, supported by a board of directors composed of local business and civic leaders. This governance structure underscores the firm’s dedication to sustaining long-term relationships and delivering steady value to its shareholders and customers alike.
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