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Merchants Bank offers a full line of lending services. We have a strong agricultural presence and our loan officers work hard to help our farmers and ranchers succeed. Our credit decisions are made local and in a timely matter. We also offer commercial, real estate and personal loans. Merchants Bank’s experienced loan officers are here to help you with any of your lending needs.




Merchants Bank offers farm operating lines of credit for annual input costs and all of your general operating needs. Our experienced loan officers will work with you to find the best fit for your farming operation.


Merchants Bank has an experienced staff with extensive backgrounds in livestock operations. Looking to come back from the sale barn with some new additions to your herd? Contact Merchants Bank to help you make this purchase. Our loan officers are willing to take on any task to help our ranchers succeed.


Contact us when you’re looking to upgrade your equipment. We offer term financing with competitive rates. Our knowledgeable loan officers work fast and efficiently to create the perfect solution for your upcoming purchases.

Real Estate

When you’re looking to purchase land for your farming or ranching operation, Merchants Bank can help you make the right purchase that fits your needs. Our loan officers have your best interest at heart and are willing to go the extra mile to see you succeed.




We understand that running a business is challenging. Merchants Bank will work with you to support your business decisions. Our fully qualified loan officers have years of experience and will help you find the best fit for your business operating needs.

Real estate

When you’re looking to purchase property, expand your business, or are looking to refinance, Merchants Bank can help you accomplish your goals. Our loan officers work fast and efficiently so you can achieve new opportunities for your business.


Contact us when you are looking for a new company car or new equipment purchase to make your business more efficient. We offer term financing with competitive rates.


Residential Real Estate

Home purchase

Looking to purchase your first home or upgrade to a new home? Merchants Bank welcomes the opportunity to work with you to help you achieve your dreams and create a solid foundation for your family.

Home Equity

Whether you’re looking to do simple upgrades or a major home remodel, Merchants Bank is ready to help you! We offer construction loans that can move into permanent financing. Our loan officers are eager to work with you to see your dreams become a reality!

Construction Loans

We offer construction loans as a short-term loan used to finance the building of a home or a real estate project. Once your construction project is complete, this loan can be moved into long-term permanent financing.




Whether you want to consolidate debt, ready to make a capital purchase or need assistance in day to day living, Merchants Bank is here to help. Our loan officers are experienced, friendly and professional. We offer many types, sizes and terms for installment loans for your major purchases, recreational vehicles or unexpected personal expenses.

Single pay

Merchants Bank offers short term single pay loans. This loan can prove beneficial when want a personal line of credit or just need help with short term financing. We offer competitive rates and adjustable terms to conveniently fit your personal needs.

Checking Plus (Overdraft Protection)

When looking for extra protection for your checking account, Checking Plus may be the ideal product for you. Checking Plus offers a line of credit to automatically transfer funds from your credit line to your checking account in the event your account is overdrawn. With this service there are no overdraft fees when your account is overdrawn.

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Consumer Loan Application

Application must be delivered to the bank in person to process.

Special Loan Programs

In addition to the many loan services we offer, Merchants Bank partners with the following loan assistance programs:

  • Bank of North Dakota Loan Programs
  • Farm Service Agency Guaranteed & Subordination Loans
  • US Small Business Loan Assistance Program
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