Lending Services

Consumer Loans

Real Estate/Mortgage Loans

FMB Bank is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products that will meet your individual requirements. We make the process of securing a mortgage simple and straightforward, by offering you the latest in financial tools that enable you to make sound financial choices.

Drop by or call 636-745-3339. Let us assist you with all your home loan questions or needs.

Installment Loans

Get the purchasing power you need with an FMB Installment Loan

No matter what the reason, we have the right loan for you. Instead of accepting the financing offered through the car dealership or your retailer, shop us before you sign. A personal installment loan from FMB offers you fixed competitive rates, fixed monthly payments and easy automatic payment draft options. With our quick and easy approval process, you'll have your answer and the money in no time.

Home Equity Loans

Use the equity in your home to make your dreams come true.

Use the equity in your home to provide cash or a line of credit to buy a car, make home improvements, pay for tuition, take a vacation, pay off other debt, etc. The interest you pay may be tax deductible (consult a tax advisor). Variable rate loan.

Personal/Auto Loans

FMB Bank has been serving the borrowing needs of Warren County, and the surrounding area for over a century!

If you’re building, buying, refinancing or borrowing on your home equity, FMB Bank can help!

Unlike many of the banks now serving the same market, FMB Bank still reviews loan requests the old-fashioned way--one at a time and case by case. This allows us to consider your individual needs and unique situations. Below is a brief list of just some of the types of personal loans we offer:

Car/Truck/SUV Loans
Boat Loans
RV/ATV Loans
Tractor & Farm Equipment Loans
Personal Loans - Secured & Unsecured

Business Lending Services

FMB Bank offers more lending solutions, more options, more innovative ways to meet the lending needs of both large and small businesses. All decisions are made locally by business specialists committed to our area's continued economic growth. More importantly, your FMB lender will be with you through the life of the loan and beyond.

Term Loans

Business Expansion
Equipment
Long-term capital requirements

Line of Credit

Ease fluctuating cash flow requirements
Finance accounts receivable
Purchase inventory
Meet short-term needs

Special Project/Purpose Loans

Unique, individualized loan programs to meet specific business need

Construction Loans

Provides funding through the construction phase of a building project
Interest paid only on funds actually advanced for construction
Permanent financing available through one of our many business mortgage products

Real Estate Loans

Mortgage financing for expansion or new location

Agriculture Loans

Add extra acreage or production capacity
New farm construction or expansion
FMB has in-house Agriculture Loan experts

Small Business Loans

Financing for small and medium size businesses

Loan Officers

David L. Smith
NMLS# 611034

Corwin S. Ruge III (Trae)
NMLS#: 784937