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Business Loans

At America’s Hometown bank, your business is our business!  With a dedicated team of commercial lenders, we specialize in the products that meet your specific needs.  We strive to make ourselves invaluable partners to your business operation.

We offer the following business loans and much more:

  • Start-up Business Loans
  • SBA Loans
  • Investment Real Estate Loans and Lines of Credit
  • Commercial Real Estate Loans and Lines of Credit
  • Operating Lines of Credit
  • Equipment Loans
  • Agriculture Land, Equipment, and Livestock Loans and Lines of Credit

All loans are subject to credit approval.  Submit a Financial Statement below to get started with the application process.

Download Financial Statement

Joel Booth Bio pic

Joel Booth
Vice President / Business Development
NMLS #459476
(573) 221-6425 Ext. 310

Erin Bio pic

Erin Otten-Smith
Vice President / Loan Officer
NMLS #897590
(573) 221-6425 Ext. 320

T Blake Wyatt Bio pic

T. Blake Wyatt
Executive Vice President / Chief Lending Officer
NMLS #1084149
(573) 221-6425 Ext. 350

Lori Watson Bio pic

Lori Watson
Vice President / Loan Officer
NMLS #707576
(573) 735-4749

Mary Gibbons Bio pic

Mary Gibbons
Vice President / Loan Officer
NMLS #590927
(573) 221-6425 Ext. 323

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Contact Us

To become better acquainted with F&M Bank and Trust Company, call us toll free at 877-221-6424 or stop in. We're here to help!

505 Broadway
PO Box 938
Hannibal, MO 63401

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Routing number (281573013)


©Copyright 2023 F&M Bank and Trust Company. All rights reserved.