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About Us

Farmers-Merchants Bank of Illinois, formerly known as Joy State Bank and Farmers-Merchants National Bank of Paxton, has served Illinois communities for more than 100 years. We strive to maintain the values that have driven the bank’s longevity: friendly customer service and a wide range of valuable products and services.

With a renewed focus on agricultural lending, we are committed to continuing our tradition of helping farmers achieve success in an ever changing and often challenging industry. We’re also especially dedicated to helping you and your families achieve your dreams of home ownership. And we’re ready to help you make it happen! We offer a number of home financing programs and the expertise to guide you comfortably through the financing process. Our breadth of deposit products offer competitive rates and are accessible 24-7 through online banking. Along with our online presence, we maintain offices in Joy, New Boston, Paxton, Piper City and Melvin.


“Farmers-Merchants Bank of Illinois is committed to being the preferred financial partner within its community.” Join our customer family. Share your goals and dreams with us. Tell us what we can do to help you achieve your personal goals.

If you’re already a customer, thank you for the opportunity you’ve given us to serve you. If you’re new to our bank, we’d like to extend a sincere welcome to the Farmers-Merchants family!

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