Online Banking

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Company Information

About Us

Farmers-Merchants Bank of Illinois, formerly known as Joy State Bank, has served the communities of western Mercer County and surrounding areas for over 100 years.  We strive to maintain the values that have resulted in the bank’s longevity:  friendly customer service and providing a broad range of products and services.  With a renewed focus on agricultural lending, we are committed to continuing Farmers-Merchants Bank of Illinois’ tradition of helping farmers achieve success in an ever changing and often challenging agriculture industry.  Farmers-Merchants Bank of Illinois is also especially committed to helping families own homes and is ready to assist you.  We offer a number of home financing programs and the expertise to help you comfortably move through the financing process.  Our deposit products offer great rates and are accessible 24-7 using our online banking.  Along with our online presence, we maintain offices in Joy, New Boston, Paxton, Piper City, and Melvin.  We would like to extend a warm invitation for you to join our family of customers.

The bank’s mission statement remains clear.

“Farmers-Merchants Bank of Illinois is committed to being the preferred financial partner with 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.


Joy Branch Location
Main Office

101 W Main St
Joy, IL 61260

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

Monday, Tuesday, Thursday (8 AM – 4 PM)
Friday (8 AM – 4 PM), Drive up open until 5 PM
Wednesday, Saturday (8 AM – Noon)

Night Deposit Available


New Boston Branch Location
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

Night Deposit Available

Contact Us

Phone: (309) 584-4146 (Joy)
Phone: (309) 587-8171 (New Boston)
Fax: (309) 431-4309 (Joy)