At Farmers & Merchants Bank we understand that commercial real estate loans are never a “one-size-fits-all” process. This is why we treat each client and loan request as unique.

F&M Bank’s Relationship Managers, who collectively have over a century of commercial real estate lending experience, can create a custom, tailored loan specifically for your situation. Our team listens to the Borrower's business plan and can structure a loan to meet those needs. The Bank offers a number of loan programs including, bridge, construction, term loans and lines of credit.

Your experience with F&M Bank is different because we designed our business around your needs. From on-site decision making, to a credit team that works as diligently as our Relationship Managers, we can operate quickly to develop a solution for industrial, retail, office or even those special, unique situations.

No Prepayment Penalties


Customized Loan Solutions


Single Point of Contact



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Rolling Hills Prep School

$6,300,000 Refinance

Helping education soar has always been a core value for us here at F&M Bank. Find out how F&M came through for the 9.57 acre campus that also happened to be home to a rare Blue Butterfly reserve.


10 Mixed-Use Office Condos

$5,450,000 Construction Loan

Helping businesses within our local communities is important to us. When a client approached us with a vision of transforming a manufacturing building into 10 Mixed-Use Office Condos we wanted to be part of that transformation.


Loan Impacted by Rent Control

$20,000,000 Renovation Loan

Helping clients even in the toughest situations is what makes us different. When a client approached us while in escrow on a 109-unit multi-family project and rent control was signed by the Governor, we knew we could provide the solution our client needed.



  • No prepayment penalties
  • No-point options available
  • Competitive Rates and Terms
  • On-site decision making for fast answers
  • Small Business Loans
  • Owner-occupied and Investment
  • Commercial Real Estate
  • Commercial Property Purchase and Refinance
  • Construction Loans
  • Commercial Line of Credit
  • Retail, Industrial, and Mixed-use
  • Non-profit and Houses of Worship
Terms and conditions apply. All loans are subject to credit approval.

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