Farmers & Merchants Bank was founded in 1945 as a financial institution that focused on local farmers and businessmen. The bank is locally owned with more than 300 shareholders throughout the Arkansas County area. Farmers & Merchants Bank offers services, such as automatic teller machines, telephone banking, Internet bill pay and overdraft protection. The bank provides checking and savings accounts, investment services, consumer and home loans, credit cards, estate planning, trust management, retirement planning and home equity loans. Farmers & Merchants Bank also offers farm management services, such as tenant selection, capital improvements, income collection and distribution, profit analysis and farm operation monitoring. Farmers & Merchants Bank maintains its headquarters in Stuttgart, Ark.