Professional Overview

Carolyn McGraw truly embodies the long-term staying power of Farmers & Merchants Bank, having dedicated 45 years to building an exemplary career within the institution. Since walking through the doors fresh out of high school in September 1980, she has committed her life’s work to helping customers achieve their business and personal financial goals. As the trust team member with the most experience, Carolyn sets a standard for client care and cross-department versatility.

Her non-traditional career path highlights a comprehensive, foundational knowledge of banking operations. She originally started in bookkeeping, moved to the teller line, worked as a loan assistant, and absorbed every aspect of the business through hands-on experience before transitioning into a trust officer role in 2009. Guided by excellent local mentorship throughout her career, Carolyn combines her deep technical knowledge with essential traits of patience and compassion for every client she serves.

Key Specialties

• Complex Trust Arrangements & Fiduciary Administration
• Investment & Individual Retirement Accounts (IRAs)
• Agricultural Asset & Farm Trust Management
• Multigenerational Client Relationship Management

Education & Credentials

• Advanced Trust Training, Southwest Graduate School of Banking at SMU Cox in Dallas
• 45 Years of Specialized Banking Operations, Fiduciary Compliance, and On-the-Job Training