No matter what your credit needs are we have the loan that will fulfill those needs.  We’re in the business of making loans and as a community bank we are able to tailor our credit products around your requests.  Whether it is for a new car or operating money for a new business venture…we provide you with easy access and terms that meet your budget.  In addition, our loan officers are long time employees of the bank and members of the community who make a point to get to know you and take the time to understand your needs.  Contact one of our loan officers to discuss your financial needs.

Agricultural – Where FARMERS is our first name

Agriculture is a major part of our local and state economy and at Farmers & Merchants Bank of Kendall agricultural loans are one of our specialties.  Whether you’re purchasing livestock, wanting to expand your machinery line or just getting started in farming, we want to be your bank.  Many of our Ag loan officers were raised on family farms and have the experience you’re looking for.  Our goal is to help you grow and remain profitable and viable in your farming operation because when you succeed, we succeed.

We look forward to helping local farmers in any way we can.  We offer many services to help with a variety of agricultural needs. 

  • Real Estate
  • FSA Guaranteed
  • Chattel
  • Operating
  • WHEDA Crop


Farmers & Merchants Bank of Kendall makes consumer loans for a variety of purposes, including financing to purchase everything from refrigerators to vacations and computers to furniture.

  • Vehicle: We can help you finance that car or truck you are looking for.


Small business plays a major role in the economic well being of our community.  Our loan officers will take the time to get to know your business and will work with you every step of the way to help create a program to meet the financial priorities of your company.  You can depend on our professional staff, outstanding operational support, and local decision making to help your business prosper.  Farmers & Merchants Bank of Kendall recognizes that successful businesses are essential for the growth and future of any community.  For over 100 years, the Farmers & Merchants Bank of Kendall has been an independently owned and locally managed community bank.

Overdraft Protection Loans

Our overdraft protection (or more commonly referred to as Ready Reserve) is designed to fit your lifestyle.  Automatic advances tied to your Farmers & Merchants Bank of Kendall checking account allows you to avoid overdraft charges when life’s unexpected situations occur.  Draws are advanced in increments of $100, up to your Ready Reserve limit and are subject to normal credit approval and terms.

Real Estate

Farmers & Merchants Bank of Kendall offers real estate loans for residential, farm, and commercial properties.  Selecting the right mortgage is extremely important!  It is probably the largest and longest investment you will make in your lifetime.  When you make a commitment like this, you want the peace of mind that you have selected the financing program that best fits your budget and lifestyle.  Our loan officers will be able to help find the program that is right for you.

  • Agricultural
  • Construction
  • Residential
  • Commercial