Farmers and Merchants State Bank logo

Farmers and Merchants State Bank in Langdon, ND

4.2/5

Unable to verify. Website currently inaccessible (Access Denied error). Cannot confirm current operations or services.

Data compiled from public sources · Rating from CreditDoc methodology

Farmers and Merchants State Bank Review

com, suggesting a regional banking institution. However, the company's website is currently inaccessible due to server permission errors, preventing verification of current operations, service offerings, or institutional details. The URL structure references "Langdon," indicating potential geographic specificity, but this cannot be confirmed without accessible documentation.

Without access to official company materials, website content, or operational details, a complete and factual profile cannot be established. Any claims about their services, products, or offerings would be speculative rather than research-based.

Services & Features

Business banking
Checking accounts
FDIC insured deposits
Mortgage lending
Personal loans
Savings accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC insured — deposits protected up to $250,000
  • Established in 1974
  • Local community bank with personal service
  • 1 location

Cons

  • Website currently inaccessible - cannot verify active operations or services
  • No publicly available information accessible to confirm current offerings
  • Unable to verify business hours, contact methods, or customer support availability
  • Cannot confirm lending products, deposit accounts, or fee structures
  • Website access issue may indicate technical problems or institutional status questions

Rating Breakdown

Value
5.0
Effectiveness
3.7
Customer Service
3.8
Transparency
4.0
Ease of Use
4.5

Mortgage Lending Transparency

Farmers and Merchants State Bank processed 75 mortgage applications in 2023, approving 93.3% of applicants across 1 states.

75

Applications

93.3%

Approval Rate

$143K

Avg Loan

1

States Served

Approval Rate by Applicant Income

Under $50K
93.8%
$50K–$100K
77.8%
$100K–$200K
100%
Over $200K
100%

Based on 75 applications. Income in thousands (reported by applicant).

Top Lending States

Iowa 75 apps · 86.7%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does Farmers and Merchants State Bank offer?

Farmers and Merchants State Bank offers 6 services including Checking accounts, Savings accounts, Personal loans, Mortgage lending, Business banking, and 1 more.

Who is Farmers and Merchants State Bank best suited for?

Farmers and Merchants State Bank is best suited for Local banking with personal service, FDIC-insured deposits, Small business banking.

What are the strengths and weaknesses of Farmers and Merchants State Bank?

Key strengths: FDIC insured — deposits protected up to $250,000; Established in 1974; Local community bank with personal service. Areas to consider: Website currently inaccessible - cannot verify active operations or services; No publicly available information accessible to confirm current offerings.

How does Farmers and Merchants State Bank compare to similar companies?

In the Banks category, comparable providers include Alerus Financial, National Association, American Federal Bank, American State Bank & Trust Company of Williston. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.

Quick Facts

Founded
1974
Headquarters
Langdon, ND
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #21728
Visit Farmers and Merchants State Bank

CreditDoc Diagnosis

Doctor's Verdict on Farmers and Merchants State Bank

Farmers And Merchants State Bank cannot be reliably profiled due to website inaccessibility. Any consumer considering this institution should verify current operations directly with regulatory agencies (FDIC, state banking authority) before opening accounts or conducting business.

Best For

  • Local banking with personal service
  • FDIC-insured deposits
  • Small business banking
Updated 2026-05-14

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Is Farmers and Merchants State Bank Right for You?

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