Since 1890, F&M State Bank has grown tremendously with the acquisition of branches in Niobrara, Center, Crofton, Hartington, and South Yankton, Nebraska. We are committed to offering a variety of products and the best personal service  that we can.

We take pride in being a family owned and oriented Bank. The combined efforts and dedication of the more than 28 employees make us a strong financial leader in northeast Nebraska. We look forward to taking the lead in providing financial products that meet our customer’s needs and wants.

Farmers and Merchants State Bank has a proven record in meeting community needs ranging from direct community support through the donations made to the Bloomfield Community Center, the Bloomfield Community Library, the Niobrara Golf Course, the Niobrara School Playground, the Crofton Golf Course, the Hartington Library, the Center Centennial, as well as local scholarship programs at all of the schools in the communities we serve, to the adaptation of new technologies and services we offer. We are proud to present our latest technology product, Internet Banking, for your approval and convenience.