Farmers & Merchants Savings Bank



Looking to buy or improve your home?  


We've got you covered

Home mortgage rates might be going up, but we think you will find ours to be the best around. We invite you to comparison shop! Low rates, exceptional service and you continue to make your loan payment with us after closing. Compare rates and shop local for your mortgage financing!

Loan Products

Join the excitement of Ragbrai XLV



Free t-shirts for all volunteers!

Hundreds of ambassadors will be needed to perform a variety of volunteer activities for Ragbrai Waukon July 27-July 29.  Choose the area you would like to volunteer in and the time/s.   Signing up for more than one shift is encouraged!   Couples or friends who would like to work together should fill out one form with both names on the same form.  If you have any physical limitations, please note that on the form. 

This is a unique opportunity for you to see Ragbrai first hand and we hope you will find it a rewarding experience.   You will be able to share what you feel is special about Waukon with riders from all 50 states and several foreign countries.  To volunteer complete this volunteer form or register on-line at