Below you will find the philosophy of Farmers & Merchants Bank. These statements drive every decision we make.

Vision Statement
Farmers & Merchants Bank aspires to demonstrate to its customers the ability to not only understand their financial needs, but also deliver the products and services necessary for them to effectively meet those needs.

Mission Statement
The mission of Farmers & Merchants Bank is to be the value leader in its market by offering products and services at a competitive price which its customers regard as being of superior quality, innovative and exceptionally effective in meeting their financial needs.

Value Statement
Farmers & Merchants Bank believes in conducting business in a gracious and friendly manner. We are committed to providing our customers with professional staff who treat our customers with the utmost respect and have the knowledge and ability to not only understand their needs, but also effectively match those needs with the most suitable products and services. We will demonstrate our caring for our customers, and strive to maintain mutually beneficial long-term relationships with them.

Farmers & Merchants Bank — Smart Bank. Smart You.