FM Fincorp is a bank holding company that operates Farmers & Merchants Bank. Founded in 1914, Farmers & Merchants Bank is a private community banking institution that provides a range of financial products. It offers consumer, mortgage, automobile, commercial, home equity, construction and agricultural loans. The bank also provides savings and checking accounts, as well as certificates of deposit. In addition, Farmers & Merchants Bank offers card, investment and online banking services and safe-deposit boxes. It maintains several locations in Indiana. The bank also provides online loan calculators. Farmers & Merchants Bank is a member of the Federal Deposit Insurance Corporation.