Farmers Savings Bank has been growing strong relationships for over 100 years in Clay and Dickinson County. Serving the cities of Milford, Fostoria, Spencer, Okoboji, Arnolds Park, West Okoboji, Whapeton, Everly, Lake Park and beyond. We are proud of our long-standing tradition of personal service and local decision making. We work hard to offer the latest in mobile and online banking technology, while maintaining the personal, small town touch you expect and deserve. We welcome you to stop in and visit with a personal banker or lender to discuss your banking needs. It's just the way we prefer to do business!