News

By Scott Boyles, Chief Lending Officer Here’s an answer to better predict business costs: one-year, fixed-rate operating loans from Farmers & Merchants Bank. Other banks only offer floating-rate operating loans, making it impossible to accurately estimate borrowing costs. Adjustable rates like these involve more risk too: if short-term interest rates increase during the year, your […]

By Scott Boyles, Chief Lending Officer You’ve probably been thinking about your 2018 taxes as of late. However, now’s the perfect time to start making decisions for 2019––especially when it comes to leases. Farmers & Merchants Bank offers leases on equipment and buildings, and that’s of particular importance if you’re thinking about any upcoming purchases. […]

Learn more about how long-term loans can help get your dreams off the ground, see who was selected as our newest Smart Business and find out which teacher won our Wilber Smart Apple Facebook Contest.    Plus, we invite you to contact us to set up time to visit about your 2018 financial success. We’ll talk about profit/loss and discuss recommendations for the new year.   Go to […]

By Kelvin Jorgensen, Senior Vice President Long-term loans aren’t usually top of mind when considering lending options. However, they do have some advantages over short-term and medium-term loans, including lower monthly payments and protection against increasing rates. While there is no standard industry definition of a long-term loan, they usually span a repayment period of […]

How long is long-term? Well, to many banks it’s about five years according to how long they extend their loans. However, at Farmers & Merchants Bank, we define “long-term” a bit differently. To us, long-term means being able to offer 10-20 year fixed rate real estate loans at competitive rates supported by an outstanding long-term […]

In this day and age, security is more important than ever. That’s why Farmers & Merchants Bank’s VISA Debit Cards now come embedded with a microchip. These new smart cards offer you an extra layer of security and benefits like: Fraud protection – you are not responsible for unauthorized purchases Anti-theft – guards against theft […]

Learn the benefits of Mobile Banking alerts, see our newest Smart Business of the month and find out which admirable teacher won the Smart Apple Facebook Contest. Go to Newsletter »

Growing up on a farm in Campbell, Nebraska Lanny Carlson believed becoming a farmer was in his blood – until the car bug bit him. Now, he puts his passion to work as owner of Lanny Carlson Motors in Kearney, offering an extensive selection of pre-owned vehicles. In high school, and while at the University […]

Learn how tokenization keeps your sensitive card information safe when using mobile wallets, see our Smart Business of the month and find out which exceptional teacher won the Smart Apple Facebook Contest. Go to Newsletter »

For the last 47 years, Dick and Marge Kohmetscher have owned Dick’s Place in Lawrence. What started as a place to just sip on drinks has grown into a full-blown bar and grill that also caters events and wedding receptions. Every day of the week, Dick’s Place is the hub for all things good: delicious, […]