FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Mortgage Center
From buying a home, to refinancing, and everything in between, our mortgage center will help you understand the many options available to help choose the best mortgage product for your specific needs.
Consumer Loans
Whether you are needing a loan to purchase that new car, pay for the unexpected, or take that much needed vacation, we have you covered. We are a local bank, which means loan decisions are made quickly.
Welcome to F&M Bank and Trust Company
America’s Hometown Bank
F&M Bank and Trust Company is truly a neighborhood, hometown, community bank with locations in Hannibal, Monroe City, and O'Fallon. Founded in 1870 by the friends and family of Mark Twain, we are the area’s oldest locally-owned community bank. We are proud to be celebrating our 155th year of providing our customers a wide range of banking services, including many of the latest electronic banking options!