Five Gold Stars

5-Star F&M Bank: A Trusted Community Bank

April 2021: F&M Bank, Timberville, Virginia has been awarded the highest (5-Star) rating for financial strength and stability from the Nation’s Premier Bank Rating Firm, BauerFinancial, Inc. Earning this 5-Star rating is proof that F&M Bank excels in such areas as capital adequacy, profitability, asset quality and much more.

Bauer Five Star Rating

“This is indeed reflective of F&M Bank’s dedication and commitment, not only to its customers, but to the entire community”, reflects Karen Dorway, president of BauerFinancial. “Community banks, like F&M Bank, have been on the front lines doing what is necessary to help their neighbors and friends. This is the type of devotion you will only find in a community bank.”

Established in 1908, F&M Bank has been a trusted ally of the communities it serves for 113 years. Rest assured, 5-Star rated F&M Bank’s personnel are eager to serve: at the branch, by phone and online at

F&M Bank: “Your 5-Star Community Bank”            

Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. Since 1983, BauerFinancial has relied upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings). BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. No institution can pay for or opt out of a BauerFinancial rating. Star-ratings are all available for free at