About Us

Client Testimonials

Bruce Aughe
Frankfort, Indiana

I have banked at The Farmers Bank for 50 years. My Grandfather owned Aughe Brother's Drug Store. During the Great Depression, he deposited what funds he could every day. He had faith in The Farmer's Bank. When I go to the bank, I am greeted by name. That's one of the benefits of a local bank.

Kyle Cosand
Abrasive Waterjet of Indiana

My old bank made me feel like they were doing me a favor by letting me keep my money there and did not want to lend my small manufacturing shop any money. They told me that if I did over 2 million a year they might consider it. I came to The Farmers Bank and felt like they truly wanted to help my company grow and grow we did. In one year with the loan they gave us we have almost doubled our business,  that’s why The Farmers Bank is My bank for life. 

Betty Lou Swentzel

I have a checking account, savings account, and 2 trusts at The Farmers Bank. Of utmost importance in bank selection is to try to determine its integrity, honesty and capability. Since most of my personal dealing has been with the Trust Department, I can confidently say the Staff has provided those attributes plus a feeling of relaxation, genuine interest, flexibility and willingness to listen, as well as conduct the business competently. For all of this, I am very grateful.


Julie Doan
Clinton County Youth Theatre

There are three reasons why I love the Farmers Bank: The people, the service, and the community-mindedness. From managing a checking account from Seattle, Washington to buying my first home in Frankfort, Indiana, the service has been outstanding. I believe that The Farmers Bank is about helping others make their lives happen and achieve their dreams. They have helped me achieve mine by being a continual supporter of the Clinton County Youth Theatre, the dream that brought me back to my hometown and My bank for life.

Reid Litwack
Steel House, LLC

The Farmers Bank is new to our company, but they’ve been terrific. Larry Miller is probably the most creative banker I’ve ever met. I get lots of personal attention and feel right at home.

Bernard & Sandra Lohsl
Bernard Lohsl CPA

We have been customers of The Farmers Bank on a personal level for over 30 years and on a business level for over 20 years.  We love the customer service we receive from all of the departments.  We would recommend The Farmers Bank to all our friends and family.


Matt and Lynn Maish

Just like previous generations of our family, we’ve found The Farmers Bank a great place to do business. We were so pleased with the service the trust department provided our mother in her last years, that each of us has opened accounts with The Farmers Bank. Each of us has been away from Frankfort for 40 years but have yet to find another bank that provides the kind of responsive and thoughtful service that we’ve experienced with The Farmers Bank.


Gloria Brocksmith
Old Bank Antiques & Uniques

I have found that banking with The Farmers Bank branch in Kirklin to be very easy and convenient. The staff is very friendly every time I enter the branch. They offer all the latest and greatest products and services at the fees are very reasonable. I really appreciate the fact that I never have to worry and follow up with the bank because I know everything will always be taken care of.


Steve Weber
Associated Dealers Supply, Inc.

We started banking with The Farmers Bank in 1979.  As our business grew, The Farmers Bank treated us as if they too were part of the company.  The friendly staff is always pleasant and efficient.  The Farmers Bank is one of Frankfort's finest assets.


Craig Unroe
Kirklin, IN

When our credit card machine quit displaying, we kept using it but we were taking the risk of overcharging. We were afraid it would take too long to fix. Finally I called Mary Ann Stockberger at The Farmers Bank. She not only delivered a new machine to my home that night, but called the next day to make sure it was working properly. She didn’t miss a beat and I didn’t miss a sale. Thank you to The Farmers Bank and Mary Ann Stockberger for the great service.

Eric & Ashley Ramsey
Mulberry, IN

Our mortgage loan officer, Laura Mullen, is fantastic at her job! She always takes time out of her busy day to see if she can assist us in any way towards all our banking needs. She is always in good spirits and very informed on the current issues at hand. We wouldn't want anyone else handling our mortgage, even if the competitor had a little better rate. She is the best and we are very appreciative!


George & Martha Sigler
Sigler's Restaurant

George has been banking with The Farmers Bank since he was 16 years old. We have had an account with The Farmers Bank for over 50 years. We remember making our loan payments in the basement with Everett Kreisher and Bob Akers. The Farmers Bank has been good to us through the years. We have stayed with The Farmers Bank because we never have to worry about them selling or merging with another bank. They are a strong locally owned community bank!

Roxanne Emmerich
The Emmerich Financial Group Inc.®

New York Times bestselling author Roxanne Emmerich raves about our great workplace!

Gary Barnett
Barnett Forensic Services Inc.

When I was growing up, banks in our town along with the personnel working there were held in high esteem in the community.  They were dedicated to the community in which they worked and lived.  Sadly, the evolution of banking became big business loaded with unresponsive corporate owners / employees.  I am very pleased to say The Farmers Bank harkens to a time past where they actually care about their customers and family.  Last year our business and my family switched all of our accounts to The Farmers Bank.  Establishing a financial relationship with this bank was warm, friendly, swift and painless.  We are highly recommending The Farmers Bank to all of our clients and extended family.

Testimonial-Lingenfelter.jpgJeff Lingenfelter
Lakeview Marina

The Farmers Bank is the friendly bank that gets the job done! They remind me of the old days when banks wanted to help the small business. The Farmers Bank has earned our business.


Bob & Laura McClelland
Laura’s Creative Catering & Milky Way

Laura and I switched to The Farmers Bank about 15 years ago and what a great decision it was. The Farmers Bank is one of our communities’ greatest assets. They exceed our expectations for our personal and business banking needs. The tellers and staff are always professional and friendly. They make our banking experience enjoyable.


Scott Broady
Broady-Campbell, Inc.

We truly value our relationship with The Farmers Bank because of their willingness to work with us through bad economic times.


Greg Broady
Broady-Campbell, Inc.

Other places talk about customer service; The Farmers Bank delivers it.  Their professional approach with a personal touch really makes a difference.


Eric Woods
Schulz IGA

We have enjoyed a wonderful relationship with The Farmers Bank for many years. As a local merchant who prides itself on being “hometown proud”, we greatly appreciate being able to conduct our business with another local establishment who shares the same sentiment. The Farmers Bank offers a full line of services that allows us to consolidate our needs and operate very efficiently and successfully. The courteous and professional staff members at The Farmers Bank always deliver the highest level of customer service and treat us like family. It has been our pleasure to be business partners with such a fine banking institution.

Ken Estes
NAPA Auto Parts

We are proud to use The Farmers Bank as our choice financial institution. Everyone is courteous, friendly and helpful. The Farmers Bank offers easy access to employees from the bookkeeping department, to the President and everyone in between. As a small business, The Farmers Bank offers us the advantages of a small town bank with big bank assets.

Thank you for allowing us the use of your lobby to display our merchandise, just another way of The Farmers Bank helping us.

Clinton County Boys & Girls Club
Susie Michael

The mission of The Clinton County Boys & Girls Club is to enable all young people, especially those who need us most, to reach their full potential as productive, caring, responsible citizens. The Farmers Bank has always supported the Clinton County Boys & Girls Club. Eleven years ago we were able to open a new Clinton County Boys & Girls Club because The Farmers Bank felt confident in us and granted us the loan to open the new club. In 2007, when the club was experiencing some tough times, The Farmers Bank prevented us from closing our doors by pledging a four year financial commitment totaling $50,000.00. The Farmers Bank truly is a local bank that cares about the future of this community.

Mike Wells
Kirklin, IN

I have been a Farmers Bank customer since I moved to Clinton County in 1992.  In the past couple of years, I've started using the online bill payment system offered by The Farmers Bank, and I cannot stop bragging on it.  It is so easy to use.  It greatly reduces the time spent paying bills.  Postage is eliminated as are envelopes to pay bills, and I can pay virtually anyone that I owe.  Record keeping is simplified.

My wife is Treasurer for Scotland Christian Church and I am Treasurer for the Michigantown Lion's Club.  We use the online system extensively.  We have bragged about how great it is so much, that my seventy-six year old father is now using it and loves it too.  If you're not using this free service, you are missing out on a great benefit offered by the wonderful people at The Farmers Bank.

Steve and Linda Mang
Bruno's Pizzeria

Like The Farmers Bank, Brunos has been serving our community for many years. We chose The Farmers Bank for their commitment to our community and the personal attention to their customers as well as being a value to our business! Bruno's Pizzeria has been in our community since 1958, and we will continue to keep our “dough” right here in Frankfort at The Farmers Bank for many years to come.

Jim Johnson
Spectra Tech

“When looking at our current needs, you also looked at our future needs.”


Janet Schutt
Indiana Sign & Barricade

The Farmers Bank took the time to UNDERSTAND the complexity of my construction business.” Great service, great people!”


Tammy Menefee
Tropical Breeze 

When we started our business over 8 years ago, we immediately chose The Farmers Bank because we had already banked with them personally for over 20 years. Their customer service just can’t be beat; every employee is always so helpful. It’s a wonderful feeling when you walk in the door and everyone knows you and calls you by name. Why would anyone want to bank anywhere else?

Kenny Wright
3-D’s Pizzeria

We wanted to bank at The Farmers Bank because they are a local bank that caters to small business; they welcomed us with open arms. The teller staff is always prepared with our change orders when we come into the bank. We also appreciate their weekend Saturday hours. The entire staff is always friendly, knowledgeable, polite and very helpful. We have never had a bad experience while banking at The Farmers Bank.

Mark & Brenda Carrothers
HomeTeam Inspection Service

The Farmers Bank has always gone above and beyond what we expected since our relationship began nearly ten years ago. The staff is always professional, courteous and eager to meet our needs. We are impressed with the quality services they provide while maintaining a local, friendly atmosphere.  

The Farmers Bank worked with us as we started our own business and they have been extremely helpful with every aspect of our business needs. We’ve made a friend for life.

Edwin C. Sahm
Sahm’s Companies

After 25 years in the restaurant business, I finally have what I need. I have a financial institution that not only assists me with my capital needs, but is also available to share with me the wealth of their experience. Their experience is helping me to manage all aspects of my business more profitably and efficiently. What I truly appreciate about The Farmers Bank is they care about my business as much as I do.


Christine Collins
MadMen Creative

Having been a customer of the Farmers Bank years ago, I contacted The Farmers Bank in March to discuss our new business, after being completely frustrated with “the big boys”.  The initial reaction I received was overwhelmingly kind and helpful.  Then I met Susan.  I told her our story, I shared my vision, and she literally became our champion. I felt like she was as connected to our ideas and was as excited about them as we are.  Once everything was settled, Susan introduced me to the outstanding Merchant Services folks and I felt like a celebrity.  Overall our experience has been, and continues to be, outstanding.  At one point Mary Ann said “Let us do the work, that’s what we’re here for”, that was a statement from the heart.  The Farmers Bank works hard for its customers and I believe they truly value each one.  “My bank for life” is not just a motto to us, it is a reality. 

 Carla Clemens
This & That Gifts

As a small business owner, I value The Farmers Bank. The staff members of The Farmers Bank are always friendly, prompt, and professional in meeting my financial needs. They are eager to assist me in any way they can. I enjoy the welcoming atmosphere as well as the knowledgeable support I receive. I greatly appreciate The Farmers Bank.


Lori Brines
Palladium Title Services

We could not be happier with our banking experience at The Farmers Bank. From the reasonable service fees, the availability of actual people to talk to, the exceptional customer service and accounts tailored to our business needs, The Farmers Bank makes even the smallest business feel like a giant conglomerate. They truly are our bank for life. 


Jeremy Warren
Warren Lawn & Landscape, LLC

I started banking with The Farmers Bank when I was 18 years old. I know the employees by name and they know my name. The Farmers Bank is my hometown bank. I always know who I am working with. The Merchant Credit Card Department always answers any questions I have and takes care of my business needs. The Sheridan Office has also always been very helpful in setting up my business accounts.

Stan Large

I am never surprised by the prompt and professional service I receive at The Farmers Bank. Every call I make to The Farmers Bank is a positive experience. When I need a loan, I just pick up the telephone and they get all the paperwork ready for me with no hassles. I especially like that I can have my payment automatically deducted from my Farmers Bank checking account.

At the larger banks you are just a number and I personally love the friendly service I get at The Farmers Bank. Although The Farmers Bank is a small bank, they are a GREAT hometown bank. I would never hesitate to recommend The Farmers Bank to anyone because they are so professional and easy to work with.

Richard E. Mudd
Mudd's Mini Storage and Mudd's Mobile Homes Inc.

When I first started banking with The Farmers Bank in 1972. l had no idea that three generations, three Richard E. Mudds would be banking with The Farmers Bank too. We opened an account for our son, Rick in 1973 when he was just two years old. Now his son, Ricky, has a savings account that was started when he was born just over a year ago. We trust our money and our finances with The Farmers Bank and are happy to put our confidence in a local, community bank. My family and I appreciate the personal service we get from all the employees of The Farmers Bank. We are greeted by name and with a smile. We have always turned to The Farmers Bank when we needed a home mortgage or help building our businesses. The Farmers Bank has always had confidence in our work ethic and ability to handle our finances, and they have partnered with us throughout the last 38 years.  I appreciate The Farmers Bank, and as you can see throughout the generations, it will always be our bank for life.

Sara Neal

Customer service is the most important factor for me at The Farmers Bank.  Since our farm operation is not a corporation or partnership I have several accounts to balance which requires extra receipts and paperwork.  Melody, Stefanie and Amy understand my situation and they go that “extra mile” to help me.  They are always very prompt to return my calls and help me any way they can to answer my questions.

The Farmers Bank has always supported our farm operation as it continues to grow and improve.  Farming is a big business and it is an important part of Clinton County.  We are lucky to have a local bank that truly cares about our community!

Carolyn Davis

I am greeted with a genuine smile and an “I’m glad to see you” comment when I do my banking at The Farmers Bank. For over 60 years The Farmers Bank has served my family with various types of accounts giving us the financial expertise to meet our needs.

Brian & Michele McQuern
Outdoor Power Unlimited, Inc.

Michele’s family banked with The Farmers Bank and she even had a savings account there as a child. So it was not a hard decision for us to pick a bank when we started our business in 1999. The Farmers Bank staff has always provided very good service to us and been very friendly. We love the fact they are local and convenient. They are a “small town”  bank but provide product and services that continually exceed our expectations.

Nathan & Carly Crabtree

We have both banked with The Farmers Bank all of our lives, and we have never been displeased with our service. The staff is always friendly, available to help, and treat you like you are their only customer. When we got married and decided to buy a house, we knew The Farmers Bank would take good care of us! They answered all of our “first time home owner” questions, gave us excellent advice on how to finance, and listened to our needs. Finding the right house for us was the hard part, we already knew we had the right bank.

John & Judy Marion

After the Lebanon branch opened, my wife and I wanted to establish a new financial relationship with a stable local bank again and use them as our secondary bank.  We chose The Farmers Bank because of their services and the new branch building impressed to us The Farmers Bank’s commitment to Lebanon.  Through the years, we have used several of The Farmers Bank’s services and established relationships with the Branch Manager and the Customer Service Representatives.  Today, we consider The Farmers Bank our primary financial institution, and we know they value us too.

Steve Large

The Farmers Bank truly is my bank for life! I have first-hand experience with several of the different products and services they offer. One of the things that I love most about The Farmers Bank is they always take care of me completely. They continue to keep my financial needs and interests in mind and suggest products and services that will meet my needs. The loan department especially has always been very helpful and dependable. I can call anytime with a request and they get everything ready which saves me time and worry.  

The Farmers Bank is a local bank and I know the employees personally and they know me by name. I know I am not just a number to them. If I ever have a problem with any product or service they offer, I know I can call them directly and actually speak to person to get an answer or resolution.

Ed & Janet Hession
Hession’s/Ed’s Deal

We have been clients for over 40 years. The Farmers Bank has always been there for us. Even after moving to Lafayette, we kept our bank accounts with The Farmers Bank. The Farmers Bank staff goes above and beyond to serve our needs. We started our business 38 years ago and naturally stayed with whom we trusted to do our business banking as well. Twenty years ago we purchased the building we currently operate our retail business in and The Farmers Bank believed in us and granted us the mortgage for it and continues to support all our business and personal needs today. The small inconvenience of banking out of town is far outweighed by the personal attention to every detail we receive on all our transactions at The Farmers Bank in Mulberry and Frankfort. 

Karl Reichold
Hoops Sports Bar

I had the privilege of partnering with The Farmers Bank commercial loan department on our recent remodeling project. They were such a blessing to work with. Everyone was very friendly and nice. As a business owner you really appreciate dealing with a “live” local person without the hassle of calling another country or always getting an automated message. I love The Farmers Bank and they are my bank for life!


Scott & Penny Nirider
IGH Steel Fabrication

We talked to a few “big banks” about getting an SBA loan. All of them discouraged us from moving ahead. We are so grateful that The Farmers Bank took the time to get to know us and help us realize our dream. We were surprised that a “home town bank” could provide all the bells and whistles of the large “too big to fail” banks, while maintaining integrity and excellent personal service. They tailored their products and services to our specific needs, nothing more and nothing less.

Our banker at The Farmers Bank is such a pleasure to work with. We got straight answers and thoughtful support during the entire process of obtaining our SBA loan. Other loan officers, administrative staff, and tellers have gone out of their way to give us great service and make us glad we are banking at The Farmers Bank. 

Thanks to The Farmers Bank we were able to fulfill a life-long dream of owning our own business!

The Shoup Family
Shoup Country Foods, Inc.

A Good Bank is like a Good Friend… Always there when you need them.  We love and appreciate our hometown bank that treats us like family.

Thank you The Farmers Bank for serving our family and our business for over 50 years!
We are always greeted and called by name when entering our bank.  It is so comforting to know that when you need help, they are only a phone call away and are so supportive and excited about our growing business.
Pete & Pam Randolph

Our family has banked with The Farmers Bank for several generations.   We love the fact that we are able to do all our banking with just one bank. We are always greeted with a smile and treated like a friend.  They even know us by our first name. The Farmers Bank has been there for us for all our banking and lending needs. Now even our grandchildren are customers of The Farmers Bank!  We have always recommended The Farmers Bank to our family and friends.

Justin & Cindy Long

As life-long Clinton County residents, we have seen many changes throughout our county when it comes to banks. We’re happy to report that when it comes to our bank, we don’t have to wonder what its name will be this week or where its main office will be located. We realize the importance of supporting an organization that stands unwavering in uncertain economic times. We have trusted The Farmers Bank for all of our banking needs and have been exceptionally happy with the results. From our first savings accounts to buying and financing property, The Farmers Bank has provided reliable advice and realistic options. Our experience in the mortgage loan department has been impeccable, and the financial guidance we have received is personalized for our distinctive needs. The Farmers Bank is an institution that has been integral to our financial goals and will continue to be in the future. 

The Farmers Bank is Frankfort’s most reliable, community-centered institution and will always receive our support.

Steve Giebel
Esserman Tire Company

We at Esserman Tire can’t tell you how much we appreciate our locally owned bank. The Farmers Bank has great employees that know us. The service that they provide is outstanding, and each person is knowledgeable and committed to doing their best for us. These days’ identity theft, computer hacking, and scams have become more common. The Farmers Bank employees know us so well, that if something out of the ordinary would take place, they would be alert to it, identify it, and protect our financial information.   We take comfort in that and in knowing the bank employees that service us.

Dr. Larry D. Rothenberger, DDS
Aesthetics and Gentle Family Dental 

I want to compliment The Farmers Bank on their online web service. I can easily access all my accounts, transfer funds, check payments, pay bills (manually or automatically), and see all my monthly account activity. I receive all of this with the complete assurance of state of the art security. It just gets easier every day to bank with The Farmers Bank.


Mick & Donna Gunyon

Growing up in Frankfort, Indiana was a memorable experience. The work ethic, small town friendly people, and community pride remain with me today.

After leaving Frankfort and having many years to adventure through life in many different places, ie: Terre Haute, Indianapolis, Warsaw, Chicago, Detroit, Cincinnati, Atlanta, and currently the Knoxville area, I have learned that trust, integrity, and hard-working ethical people are really what counts when investing your life savings.
The Farmers Bank has avoided the pitfalls of other banks by not taking federal bailout monies, paying unreasonable bonuses, or engaging in unethical business practices.
Personally, I am entrusting my money in the hands of the friendly, hard-working, and ethical people at The Farmers Bank of Frankfort, Indiana.
Tim Myers
T.L. Myers Heating & Cooling

I have personally been banking with The Farmers Bank since 1974. I started my heating and cooling business in 1992. The Farmers Bank staff has always been polite and very responsive to all my personal and business banking needs. They offer all the banking products and services I need to keep my business running efficiently including merchant credit card services. I’m proud to call The Farmers Bank my bank for life…


Hal Blank
Grace on Wings

Grace on Wings is the Nations only charity Air Ambulance Service and we wish to give our sincere gratitude to The Farmers Bank for their gracious support of our ministry. Their willingness to assists Grace on Wings with financial services has been proven in being a friend to the helpless and providing hope to individuals and families needing air ambulance services throughout the Midwest and other parts of the United States.

The effect of this service and ministry not only touches the individual patient, but family, friends and entire communities. Our goal is to show Christ’s love through aviation.
The Farmers Bank was the only financial institution that had enough Faith to look at us for who we are and what we are trying to do in serving the needs of others. 

With the support of caring people like The Farmers Bank lives will be changed not just for now but for eternity. Thank you The Farmers Bank for your belief in Grace on Wings.

Randy Maish
Mulberry Telephone Company

In our line of business, the one constant is change. The telecommunications industry moves at such a quick pace, and we need a bank that can take care of those ever changing needs. We need one that can adapt to the latest in technology and never miss a step. Our customers have come to expect the latest in technology and convenience, and The Farmers Bank has worked with us to give those capabilities to our customers. Through ACH, credit and debit card payments, and even through paying from our website, The Farmers Bank has helped us streamline our day to day operations.

We pride ourselves on our customer service, so in doing business, we expect the same treatment from others. The staff at The Farmers Bank has always met our expectations. They are very user friendly, personal, and excellent in customer support especially in setting up new services. They have proven themselves to be available to help when questions need to be answered. So would we recommend The Farmers Bank to others? The answer is a resounding yes. As for us, we look forward to many more years of working side by side with our local bank.
Mike Eldridge
Ameritrack Railroad Contractors 

My family has been customers of The Farmers Bank since 1978 when we moved to Frankfort, IN. I opened my first account with The Farmers Bank in 1985 when I was in high school. What I love most about working with The Farmers Bank is the small town atmosphere offering the “big bank” products and services. I have had the pleasure of working with many of the employees at The Farmers Bank and they consistently provide friendly service and worry free banking, which I appreciate very much. They have always met and continue to meet all our personal and business banking needs.

Dan Scott
Hi Tech Label

Over twenty years ago, I contacted The Farmers Bank about supporting my vision of starting my label printing company. I had dealt with The Farmers Bank most of my life, but had never required such assistance. They listened to my needs and provided the advice and financial assistance I needed to get started. They became more than just a bank; they became my “business partner” right from the start. Since, they have provided the professional service and guidance that has been critical to my success.

 The Farmers Bank combines innovative technology with “old fashioned” personal service that makes banking with them easy and convenient. They are an independent bank, which means that lending decisions are made by people that I trust and understand my business.
They have always met my business and personal banking needs. I am proud to be working with a bank that supports my community like The Farmers Bank does and would highly recommend them to anyone.
There is nothing like dealing with a local community bank……….


Steve Brazzell
There are times when a person requires answers and guidance from financial experts. There are also times when a bank should provide more than just a safe place to have a checking and savings account. With our country's recent economic problems and as a "baby boomer", I find that this is the time for conservative financial advice, management and estate planning.
The Farmers Bank and especially the people in the Trust and Asset Management Department offer a large bank's professionalism and solid financial knowledge with a small bank's friendliness and personality. I have found these people to be available upon request and respond to my questions and other needs quickly and efficiently. I would and do highly recommend them for asset management and estate planning.