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F&M Bank has steadily grown since 1923, enabling it to remain today as one of the last locally owned and independent banks in the area. The growth and stability was the result of the local management’s ability to recognize and meet the financial needs of the community.

It is still a locally owned and independent community bank serving the general Southwest Dayton area surrounding the Miamisburg, Germantown, West Carrollton and New Lebanon communities. The bank’s management is made up of professionals who share the same vested interest in the growth and well-being of the community. The bank invests deposits back into the local community in the form of loans to individuals for homes, autos, education and for other purposes to raise their standards of living; to businesses to buy new equipment or construct building additions resulting in new jobs for the community; and to local governmental bodies to provide better public services for its residents.

Bank services have changed dramatically over the past 90 plus years. Daily check writing has been replaced by ATMs and debit cards. The 24-hour Automated Service Line facilitates a customer’s ability to access his or her account information at the touch of a button. Credit cards and overdraft lines of credit have replaced the small consumer loan. But just because Farmers & Merchants is a community bank doesn’t mean that it can’t offer great features. Banking with Farmers & Merchants gives you access to over 7,500 ATMs across the nation, the convenience to bank right from your computer or smartphone, and the ability to make a mobile deposit through our app.

For more information and locations please visit the F&M website.

What is a Farm Bureau Group Membership?

A Farm Bureau group membership will help share the value of a strong food, farming and business environment for a company and the community. The membership will help create a relationship with employees that shows appreciation for their service, encourages community involvement and helps build affinity within the company.

In addition to supporting an organization that supports issues that matter to you, by investing in a group membership with Ohio Farm Bureau (a minimum of five individual memberships at $72/member annually), the selected employees or clients gain access to valuable member benefits and discounts, and your company gains access to several premier benefits available only through a group membership, which include marketing and promotion opportunities locally, regionally and statewide.

For more information on group memberships, please email [email protected].