Banking You Love From People Who Care.

The people at F&M Bank create value in every service we offer and product we sell. From comprehensive personal and commercial banking to loan options for individuals and businesses, our team is committed to building brighter futures in the community we call home. We apply sound banking principles to encourage our local economy and strengthen our relationships.

A Virginia Tradition Since 1908.

In 1908 local farmers and businessmen met in Timberville, VA to discuss their vision for community banking in the Shenandoah Valley. Farmers and Merchants Bank was established on April 15, 1908, to serve the general banking needs of the community. Since then, F&M Bank has been affectionately referred to as “my bank” by the personal and business customers who continue to rely on the products and services we offer.

Our Brand Is Rooted In Our Community.

The F&M Bank logo is a symbol of a tree that reinforces our commitment to our community. F&M Bank is as strong and solid as the timber that once grew on the ridge North of Timberville, VA. The tree’s broad canopy symbolizes shelter and signifies the full coverage banking services we provide.

Philanthropy Is Our Commitment To Our Community.

Our bank and employees dedicate thousands of hours and dollars to non-profit organizations throughout the Shenandoah Valley and beyond. Our commitment allows our customers and team to live a better life and pursue a brighter future right here in the community we know and love. Since 1908, F&M Bank has put people and community first at every level of our organization.

Honest Banking Allows For Careful Planning.

F&M Bank is your partner for secure banking and educational resources to guide your future. Let a member of our personable team walk you through your options to fulfill your personal or business banking needs. In-house financial planners help you create strategies you can depend on and mortgage advice from trustworthy professionals ensures you get the loan that works for you. Contact a member of our team to learn more about our banking options.