About Us

F&M Bank's dedication to strong, sound and conservative management and banking policies has enabled us to weather economic recessions, world wars, natural disasters, and interest rate volatility for more than 116 years. F&M Bank reported the following metrics as of March 31, 2023:

- Strong liquidity, to support all operations and depositor needs, as well as access to significant funding, if ever needed.
- Tier 1 Capital that is more than 2.3x the federally mandated requirement to be deemed “well-capitalized.”
- Tier 1 Capital sufficient to protect depositors against any unrealized securities losses and remain at nearly 2x the regulatory “well-
capitalized” standard.
- 115 years of profitability (a perfect record).
- 106 years of dividends without a decrease (a perfect record).
- A balanced and safe loan-to-total deposits and repurchase agreements ratio of 69.63%.
- A strong loan portfolio, with a loan-to-value ratio of less than 50% - one of the strongest in the country.
- A stable and diversified client and deposit base developed over 116 years, with no reliance on a particular client type or sector.
- No exposure to crypto currencies or crypto-based collateral.
- No exposure to off-balance sheet hedging or related activities.

If you are looking for a relationship bank, we'd appreciate the opportunity to earn your business. F&M Bank offers a wide variety of checking and savings accounts, digital banking services, and home loans. Call us today to make this the last time you switch banks.