Important Messages

March 2023

Message from Gary Harris, President of Farmers and Merchants Bank

The banking industry has been in the news a lot lately with the recent failures of Signature Bank and Silicon Valley Bank.

As a community bank, Farmers & Merchants Bank is well capitalized and well positioned with ample liquidity to serve our customers and community. We were founded in 1919 and expect to continue to serve our communities for generations to come. Our bank was built on local relationships with local consumers and businesses. We are not and will not be involved with any highly speculative types of businesses.

We have a track record of being a successful community bank for the last 104 years. Our independence has allowed us to provide customers with a team of local bank professionals that care deeply about our customers and their personal and business success.

We have an experienced team of leaders and we are here to answer any of your questions. Please feel free to visit or call any of our offices if you have questions or concerns. You can also reach me directly at or by phone at 410-374-1510.

We are grateful for your business and sincerely appreciate your confidence in and your support of Farmers and Merchants Bank.

Gary A. Harris
President & CEO


March 2024

After months of construction and renovations, we are thrilled to announce that our Upperco Location will be opening its doors to customers once again. The lobby and drive thru will open with normal hours on Monday, March 18, 2024. We would like to thank everyone for the patience during this restoration. Stay tuned for information about an official Grand Opening event scheduled for May.

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