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Personal Loan Products

Consumer Loans

Farmers & Merchants State Bank will lend money for new and used cars, recreational items, household goods, travel and more. We can customize a loan to fit a variety of borrowing needs.

For Rates and Terms:

Call 515-462-4381

E-mail us

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Home Equity Line of Credit 

Use the equity in your home to establish your revolving line of credit. A Home Equity Line of Credit can provide you with the funds necessary for home improvements, college education, travel plans, furniture, and many other purchases. We have very competitive rates and terms!!

Call 515-462-4381

E-mail us

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Construction Loans

Let us build your home for you! Farmers & Merchants State Bank will loan up to 80% of the appraised value based on your building plans and estimated costs.

For more details

Call 515-462-4381

E-mail us

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Real Estate

Farmers & Merchants State Bank makes the home financing process simple, easy and convenient. Farmers & Merchants State Bank has experienced real estate lenders to assist you with your purchase or refinancing of real estate. We offer fixed-rate and five-year balloon mortgages. Low Rates and Low Fees!

More Information

Call Gina or Tim at 515-462-4381 or E-mail Gina Hackett or Tim Rethmeier today!

Disclosure: This email is not encrypted.  Do not send personal information such as bank account numbers or your social security number.

Meet Our Lending Team

Lending team

  • Shane Pashek NMLS#405580
  • Bill Dickey NMLS#405584 
  • Tim Rethmeier NMLS#405582 
  • Phil Clifton NMLS#405581 
  • Gina Hackett NMLS#405583 
  • Clark Dolch NMLS#688568