Farmers and Merchants State Bank was chartered in 1890 and provides a wide range of financial services to consumers and businesses in Bloomington, Niobrara, Center, Crofton and Hartington, Neb. The bank offers checking and savings accounts, credit cards, certificates of deposit and retirement plans. Its lending capabilities include consumer, agricultural and commercial loans. Farmers and Merchants State Bank also writes insurance policies for automotive, homeowners, commercial, life, health and long-term care needs. The bank supplies safe deposit boxes, cashier checks and money wires. It is a member of the Federal Deposit Insurance Corporation.