Graduation is an exciting milestone. Whether your teen is headed to college, trade school, the workforce, or the military, one thing is certain: financial independence is right around the corner. At Farmers & Merchants Bank, we believe financial education is one of the greatest gifts we can give the next generation. Before your teen tosses […]
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The Farmer’s Guide to Livestock Financing in 2026 For you, this means 2026 is the year to grow your herd. The “Cattle Crunch” has made beef more valuable than ever. To win, you need a plan that handles high costs while capturing these high returns. At F&M Bank, we offer “The Human Touch.” We don’t […]
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How a Farm Operating Line of Credit Helps Keep Your Operation Running Smoothly Farming requires substantial upfront investment long before profits appear. Every season brings expenses for seed, fertilizer, feed, and fuel—plus insurance, rent, and labor. Add in unpredictable weather and shifting commodity prices, and even the best-run operations can face tight cash-flow windows. That’s […]
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Farm Loan Refinancing: A Complete Guide for Farmers What Does Farm Loan Refinancing Mean? Farm loan refinancing replaces an existing loan with a new one that can offer better terms, such as a lower rate or payment structure. It may reduce monthly payments, lower total interest, or (in some cases) consolidate debt, depending on loan […]
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Farm Operating Loans: How They Can Keep Your Farm Moving Running a successful farm takes more than hard work. It requires steady access to working capital. From fertilizer and seed to fuel, feed, and wages, expenses often come due long before income arrives. When prices fluctuate or emergencies strike, having quick access to funds can […]
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Strategic Financial Planning for the 2026 Margin Squeeze What is the financial outlook for Midwest farming in 2026? The 2026 agricultural landscape in Indiana and Illinois is defined by a “margin squeeze.” While input costs remain historically high, commodity prices have softened due to global competition (specifically Brazil). To survive and thrive, farmers must shift […]
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As the weather warms up and we start clearing out closets and garages, March is also the perfect time to give your finances a thorough spring cleaning. A little organization now can help you save money, reduce stress, protect your accounts, and set yourself up for a stronger financial year. Here are six simple tasks […]
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And Why Farmers & Merchants Bank Remains Committed to Yours When you choose where to bank, you’re making more than a financial decision — you’re making a community decision. Local banks play a powerful role in building stronger, more connected, and more resilient towns. At Farmers & Merchants Bank, supporting our community has always been […]
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As the holiday season wraps up and a new year begins, January is the perfect time to reset, refocus, and refresh your financial plan. At Farmers & Merchants Bank, we believe a solid start in January can set the tone for a successful year and one of the best steps you can take is a […]
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Farmers & Merchants Bank Donates $20,000 to Benton Community Foundation Through Lilly Gift VIII Initiative BOSWELL, IN (12.16.25) Farmers & Merchants Bank is proud to announce a $20,000 donation to the Benton Community Foundation as part of the Lilly Endowment’s Gift VIII Initiative. Through this initiative, the bank’s contribution will be matched, resulting in a […]
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