Founded in 1923, Farmers & Merchants Bank is a locally owned and independent community bank. It serves the general South Dayton area surrounding the Miamisburg, Germantown and West Carrollton communities. The bank provides various types of loans, deposits, credit cards, overdraft and checking services for the business and personal purposes. Farmers & Merchants Bank supports many civic, educational and service activities. The bank is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender.