Farmers & Merchants Bank was founded in 1923 by a small group of Miamisburg business professionals whose philosophy was to establish a financial institution to provide basic banking services in a friendly and courteous manner. Its market was the residents and the small businesses who were often ignored by the area's larger banks. That simple philosophy and market remains the same 90 years later. Farmers & Merchants Bank has steadily grown since 1923, enabling it to remain today as one of the last locally owned and independent banks in the area. The growth and stability was the result of the local management's ability to recognize and meet the financial needs of the community.