Welcome to Farmers & Merchants Bank
Your Local Bank. Your Long-Term Partner.
At Farmers & Merchants Bank, we believe banking should be simple, secure, and rooted in relationships. Since 1983, we’ve helped families, farmers, and businesses in northwest Kansas and Colorado grow with confidence—and we’re just getting started.
Whether you’re opening your first account, buying a home, or expanding your operation, we’re here with personal service, real answers, and financial tools that actually work for you
What We Offer
Personal Banking
Straightforward accounts and services that support your daily life.
Business Banking
Helping local businesses and ag operations thrive.
Investments & Retirement
Your financial future, guided by local advisors you know and trust.
Banking That Feels Personal, Because It Is
When you bank with us, you’re working with people who live where you live. That means faster answers, flexible solutions, and a genuine understanding of what matters most—because it matters to us, too.
We don’t outsource decisions. We don’t push products. We focus on relationships, reliability, and doing the right thing, every time.
Community Comes First
We’re proud to be a locally owned bank that gives back to the community we serve. Through sponsorships, school partnerships, and local events, Farmers & Merchants Bank supports the people and places that make our hometowns thrive.
Access Your Accounts Anytime
We combine community banking with secure, modern tools that make managing your money easy.
Need help? Our team is always a phone call—or a short drive—away.
Visit Us at Any of Our 5 Locations.
Whether you stop by our main branch or the Dillons location, you’ll be greeted with friendly service, helpful answers, and a team that knows your name.
Colby, KS Location:
240 W 4th Street, Colby, KS 67701
Dillons Location (Colby, KS):
1605 S. Range Ave, Colby, KS 67701
Bennett, CO
1077 Cedar Street, Bennett, CO, 80102
Burlington, CO
410 14th St, Burlington, CO 80807
Cheyenne Wells, CO
25 E 1st Street N, Cheyenne Wells, CO 80810
Let’s Build Something Local. And Lasting.
From your first savings account to your next business expansion, Farmers & Merchants Bank is here to support your journey. Ready to get started? We’re ready when you are.
