Fred Ruff

Investing in what matters. FMS Bank is a community bank in every sense of the term: homegrown, locally owned and operated, and committed to our fellow neighbors. In fact, we’re more than just a community bank, we’re a bank built on community. All financial decisions happen right here, assuring you of fast turnarounds, responsive service and familiar faces that are always willing to lend a helping hand in reaching your financial goals, whatever they may be.