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For over 125 years, Farmers & Merchants State Bank has proudly operated as an independent community bank, serving the residents of Waterloo, Marshall, and the recently added Lake Mills, WI. In addition to our in-house financial services, we offer a complete range of full-service, mortgage, and internet banking options. Since our establishment in 1897, we have played a vital role in our communities and remain dedicated to their prosperity. Our team is always ready to offer guidance and support, as we consider ourselves your lifelong financial partner. Our objective is to deliver comprehensive financial services and be your trusted partner for life.