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

April 2023

Dear Customer:

As you are aware, the storm of July 2022 caused significant damage to the Upperco Branch location. We have been diligently navigating the progression of the insurance claim. In addition, we unfortunately had another loss of power and damage to our boiler system that resulted in another setback at the end of 2022.

I’m excited to share with you that we are in the process of finalizing the design and planning process and will soon initiate the permitting process for the renovations at our Upperco Branch and Loan Operations Center. We anticipate construction to begin in late May or early June, 2023.

We appreciate your continued patience and value your banking relationship. Once renovations are completed, we look forward to you joining us for a grand reopening of the Branch location in the future.

The branch drive thru service and ATM are presently open for business and we will strive to maintain those services during the renovations. You can also make appointments as needed to access your safe deposit box by calling the branch at (410) 833-6600.

In addition, we are exploring other bank uses for our collective properties at the corner in Upperco and will keep you informed as we review our options.
Thank you again for your business and your patience as we work to restore full banking services in Upperco.

Gary A. Harris
President & CEO

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