Joy: 309-584-4146 | Paxton: 217-379-4343 |

Online Banking

A cornfield early morning sun is about to rise

Company Information

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.

The bank’s mission statement remains clear:

“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!





101 W Main St
Joy, IL 61260

Phone: (309) 584-4146
Fax: (309) 431-4309

Monday, Tuesday, Thursday, Friday (8:00 AM – 4:00 PM)
Wednesday, Saturday (8:00 AM – Noon)
Closed on Sunday

Night Deposit Available



101 North Taft St
Paxton, IL 60957

Phone: (217) 379-4343
Fax: (217) 379-3311

Monday thru Thursday (8:30 AM – 3:30 PM), Drive up open until 5:30 PM
Friday (8:30 AM – 5:00 PM), Drive up open until 6:00 PM
Saturday Drive Thru Only (8:00 AM – Noon)
Closed on Sunday

Night Deposit Available



Piper City

116 S. Pine Street
Piper City, IL 60959

Phone: (815) 686-1015
Fax: (217) 379-3311

Monday, Tuesday, Thursday, Friday (8:30 AM – 4:30 PM)
Closed on Wednesday, Saturday, and Sunday

Night Deposit Available





Hardee’s at 451 W. Ottawa Rd, Paxton, IL
Farmers-Merchants Bank of Illinois at 116 S. Pine St., Piper City, IL

New Boston

412 Main St
New Boston, IL 61272

Phone: (309) 587-8171

Monday, Tuesday, Thursday, Friday, Saturday (8:30 AM – Noon)
Closed on Wednesday and Sunday

Night Deposit Available




100 East Main St
Melvin, IL 60952

Phone: (217) 388-7711
Fax: (217) 379-3311

Monday thru Wednesday (8:00 AM – 4:00 PM)
Friday (8:00 AM – 5:00 PM)
Saturday (8:00 AM – Noon)
Closed on Thursday and Sunday

Night Deposit Available