F S Bancorp, located in Lagrange, Ind., owns and operates Farmers State Bank. Established in 1915, the company s bank is an independent community-focused bank, which offers a variety of products and services. Its personal banking products include checking accounts, savings accounts, certificates of deposit, debit and credit cards, safe deposit boxes and individual retirement accounts. The bank s other services include online banking, telephone banking and online bill payments. Farmers State Bank also offers various loans, such as automobile, agricultural, construction and home equity loans. Additionally, it offers several investment products, including annuities, mutual funds, stocks and bonds through Investment Centers of America.