Welcome to F&M Bank and Trust Company

F&M Bank is truly a neighborhood, hometown bank. We have locations in Northeast Missouri. Our offices offer a wide range of banking services from savings and checking accounts to business and commercial loans. We invite you to stop by any of our locations for fast, friendly information. We promise quick loan decisions, and personalized service that only locally-owned, hometown banks can provide. Trust us to be your local, community financial advisor. We understand our communities, and reinvest in them. We understand your unique needs, and are here to help you build your dreams. To become better acquainted with F&M Bank, call us toll free at 877-221-6424. We’re here to help.

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Facebook Posts

The ladies in our Monroe City office are wearing their "Hancock in our Hearts" shirts today in honor and remembrance of Dennis Hancock who recently lost his battle with cancer. Many people in Monroe would agree that Dennis was such an asset to the community and his loss will be felt for years to come. ... See MoreSee Less

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A beautiful day in Hannibal, MO! ... See MoreSee Less

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CONGRATULATIONS, Molly! Thank you for 20 years of dedicated service to F&M Bank! ... See MoreSee Less

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It's a question that demands an answer. How local is your bank? F&M Bank is celebrating its 145th anniversary this year! Established in 1870 by the friends and family of Mark Twain, we are your locally owned community bank! Mark Twain Boyhood Home & Museum Hannibal Arts Council Hannibal Area Chamber of Commerce Hannibal Courier-Post ... See MoreSee Less

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Do you miss your small town community bank? You do not have to bank with the big guys...you have options. Come in and see our lovely ladies in Monroe City to open an account. When you become our customer you allow us to take care of you and cater to your financial needs. ... See MoreSee Less

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What's new at F&M Bank and Trust

Bill Payment

  Click here to see a demo Access Bill Payment by clicking the “Pay my Bills” butto
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Order Checks Online

Check ordering has never been easier. Reorder your checks online today.
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Attention Online Banking Users

Please be aware that F&M Bank will never contact you asking for your bank account information.
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Sign up for our Newsletter

Get more information from F&M Bank. Sign up for our e-mail newsletter.
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