Decades of financial craft, rooted right here.
At Merchants Bank, every account is built with the same care a craftsman brings to his work — deliberate, precise, and built to last. We partner with individuals and businesses across Rutland to grow what matters most.
What We Offer
Financial services shaped by experience
From everyday banking to complex commercial lending, our team brings deep local knowledge and a personal touch to every relationship.
Personal Banking
Checking and savings accounts designed for the way you live — with no hidden fees and rates that respect your hard-earned money.
Learn moreMortgage Lending
Whether you're buying your first home or refinancing, our mortgage team guides you through every step with transparency and care.
Learn moreCommercial Lending
Capital solutions for businesses of every size — from working lines of credit to equipment financing and commercial real estate.
Learn moreWealth Management
Tailored investment strategies and retirement planning built around your goals, risk tolerance, and timeline — not a one-size-fits-all approach.
Learn moreBusiness Accounts
Comprehensive business banking — from merchant services and payroll solutions to treasury management and commercial accounts.
Learn morePrivate Banking
Bespoke financial services for high-net-worth individuals — dedicated advisors, exclusive products, and a commitment to discretion.
Learn more
About Us
A bank that knows your name
Merchants Bank was founded on a simple conviction: that banking should be personal. In a world of automated calls and faceless institutions, we choose to know our clients — their businesses, their families, their ambitions.
Headquartered on Green Mountain Railroad in the heart of Rutland, we've grown from a single-location institution into one of the region's most trusted financial partners — without ever losing sight of what started it all: treating every customer like a neighbor.
Locally governed, locally accountable
Our board lives and works in Rutland County — your interests are their interests.
Decades of institutional stability
We've navigated economic shifts with prudence, safeguarding what our clients have built.
Full-service, not full-speed
We move at the speed of trust — never rushing a decision that affects your future.
Community Commitment
Investing in the place we call home
We don't just bank in Rutland — we live here, volunteer here, and believe in the lasting strength of this community.
10,000+
Individuals & Families Served
$50M+
Community Reinvestment
50+
Local Organizations Supported
25+
Years in the Community
Client Stories
Trusted by Rutland's leaders
"When I started my business here in Rutland, no one understood my vision like the team at Merchants Bank. They didn't just approve a loan — they believed in me."
Local Business Owner
Rutland, VT
"After years with a national bank, switching to Merchants was like going from a corporation to family. They actually answer the phone and remember my name."
Retired Educator
Rutland, VT
"Their commercial lending team helped us expand our operation twice in five years. They understand local industry in a way that makes all the difference."
Manufacturing CEO
Rutland County, VT
Ready to build something lasting?
Whether you're opening your first account or planning your next move, we're here — with the expertise, patience, and local insight you deserve.
Get in Touch
We'd love to hear from you
Visit us downtown, give us a call, or send a message — our doors and lines are always open.
Our Location
Green Mountain Railroad
Rutland, VT 05701
Phone
(802) 747-5000Business Hours
Monday – Friday: 9:00 AM – 5:00 PM
Saturday – Sunday: Closed
