Farmers and Merchants Bank: West Point, Nebraska’s Trusted Financial Partner

A Century of Community Banking Excellence

Nestled in the heartland of Nebraska, Farmers and Merchants Bank (F&M Bank) has been a cornerstone of West Point’s financial landscape for over a century. Since its inception in 1923, the bank has consistently provided a wide range of banking services to individuals, businesses, and the agricultural community.

A Commitment to Community

F&M Bank’s unwavering commitment to its customers and the West Point community is evident in its long-standing support of local organizations and initiatives. The bank sponsors numerous events, including the annual West Point Dairy Days Festival, and supports local schools, churches, and youth programs.

A Modern Banking Experience

While maintaining its deep-rooted community ties, F&M Bank has embraced modern technology to offer its customers a comprehensive suite of banking products and services. Customers can manage their accounts online, access mobile banking and remote deposit, and make payments with ease.

Competitive Rates and Fees

F&M Bank understands that financial well-being is paramount to its customers. The bank offers competitive interest rates on savings accounts and CDs, as well as low loan rates for mortgages, auto loans, and business loans.

A Personalized Approach

At F&M Bank, customers are more than just accounts. The bank’s knowledgeable and friendly staff takes the time to get to know each customer’s unique financial needs and goals. Whether it’s providing investment advice, assisting with estate planning, or financing a new business venture, F&M Bank is there to help.

Services Tailored to Farmers and Merchants

Recognizing the importance of agriculture to the West Point economy, F&M Bank offers specialized services tailored to the needs of farmers and merchants. These services include:

• Agricultural Lending: Loans tailored to the unique financial needs of farmers and ranchers, including operating expenses, land purchases, and equipment financing.
• Farm Management Accounts: Accounts designed to track and manage farm income and expenses, facilitating informed decision-making.
• Merchant Services: Credit card processing, point-of-sale systems, and other services to help businesses accept payments and grow their revenue.

A Strong Financial Position

F&M Bank’s financial strength is a testament to its sound management practices and commitment to customer service. The bank has consistently maintained a high level of capitalization and has received favorable ratings from independent rating agencies.

A Valuable Community Asset

Farmers and Merchants Bank is not just a financial institution; it is an integral part of the West Point community. The bank’s commitment to its customers, its support of local businesses and organizations, and its modern banking services make it an invaluable asset to the town.

Tables

Table 1: Interest Rates on Savings and CDs

Table 2: Loan Rates

Table 3: Fees

Table 4: Bank Ratings