News

Learn about long-term loans and low rates, find out how a business lease may be a wise decision, and see which local hangout was chosen as our Smart Business of the month. Go to Newsletter »

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. […]

After running Bagley’s Burger Barn in Superior, Nebraska for 38 years, owners Richard and Janene know just about everyone who comes in the door by name. Bagley’s is a true labor oflove––and a place of community. Besides the scrumptious burgers they cook up, one thing has always been consistent at Bagley’s: the kids. Through their […]

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 […]

With a focus on holistic health, Carli Israelson serves the people of Wilber and the surrounding area at Circle of Life Health Specialties, LLC. Less than a year after opening, her business is operating with a waiting list. Carli’s philosophy is that mind and body wellness work together. Her business not only offers wellness services […]

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 »