☰

Home›
Banks›
Farmers and Merchants Savings Bank

iAdvertiser Disclosure

Farmers and Merchants Savings Bank Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers and Merchants Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 5, 2026

Farmers and Merchants Savings Bank's 125TH ANNIVERSARY CD SPECIAL rates are at 3.75%. MonitorBankRates evaluates the financial stability of Farmers and Merchants Savings Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 05/05/2026.

Farmers and Merchants Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Farmers and Merchants Savings Bank? Share your experience about Farmers and Merchants Savings Bank by leaving a review below, or read customer reviews before you decide to use Farmers and Merchants Savings Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Farmers and Merchants Savings Bank

2235 Mormon Trek Blvd
Iowa City, IA 52246

https://www.fmbankonline.com

Farmers and Merchants Savings Bank CD Rates

Product	Rate	APY	Term	View More
125TH ANNIVERSARY CD SPECIAL	-	3.75%
No additional details. Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Farmers and Merchants Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Farmers and Merchants Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Farmers and Merchants Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Farmers and Merchants Savings Bank

Bank Holding Company COUNTRY BCORP

Address 2235 Mormon Trek Blvd, Iowa City, IA 52246 · Johnson

Website https://www.fmbankonline.com

FDIC Certificate # 10492

Established 09/25/1901

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9483%

Return on Equity (ROE) 6.7700%

Non-Performing Loans (NPL) 0.00%

Total Assets $123,102,000

Total Deposits $101,740,000

Equity Capital $17,111,000

Net Income $1,136,000

Headquarters Iowa City

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for Farmers and Merchants Savings Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Farmers and Merchants Savings Bank

Frequently Asked Questions About Farmers and Merchants Savings Bank

How many branches does Farmers and Merchants Savings Bank operate?

Farmers and Merchants Savings Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Farmers and Merchants Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers and Merchants Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Farmers and Merchants Savings Bank offer online and mobile banking?

Most modern institutions like Farmers and Merchants Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fmbankonline.com.