Farmers and Merchants Bank is an independent, locally owned and operated community financial institution that serves individual and business clients. The bank provides a range of personal and business checking and savings accounts, as well as certificates of deposit. Its mortgage division serves the lending needs of real estate professionals, builders and individual homebuyers in Maryland and Pennsylvania. Farmers and Merchants Bank offers a variety of loan programs. It operates more than five offices located in northern Baltimore and Carroll Counties in Maryland. The bank provides online simple loan, retirement plan, , savings, compound savings, and mortgage refinance and qualifier calculators. Farmers and Merchants Bank is a member of the Federal Deposit Insurance Corporation. .