The success of almost any enterprise depends in great part on its initial fit with time and place. For F&M Bank, the time was 1908, the place, Timberville, VA. The local farmers and businessmen who met to discuss the formation of a bank held a vision for a monetary venture to serve their community. Their own diverse experience formed a base for understanding general needs, and community pride prompted their action. After its formal establishment on April 15, 1908, F&M Bank quickly became affectionately known to townsfolk as “our bank”. 

Community Involvement

Much has changed since our humble beginnings in 1908, but our heart for the community still strongly beats. Most, if not all, employees are involved in some sort of civic duty. This includes sitting on boards, committee leadership, event volunteering, and financial contributions. Bank employees also have the opportunity to give back through our “Casual Friday for Charity” program, where employees can donate $5 each Friday to wear denim. The money is collected and donated back to a different nonprofit each month, voted on by staff. In 2016, over $8,500 was raised by employees through the program.

F&M Bank is dedicated to giving back to the communities it serves. During the year, the bank hosts a variety of free events as a way to show customer appreciation. Each branch hosts a family friendly event as well as a document shredding event. Follow our blog for regularly posted events, sign up for our newsletter, or find us on your favorite social media site. We hope you'll join us for one of our events in the future!


Customer Service Meets Competitive Products

The primary mission of F&M Bank is to be a strong, independent community banking organization that provides a reasonable return to our shareholders, quality service to our customers and communities, and a rewarding and challenging workplace for our employees. We continue to pride ourselves on putting customers first and look forward to building a personal, face-to-face relationship with you. At F&M Bank, you are a name, not a number. We still strive to be termed “our bank” by our customers because you play an integral role in our success story.

We serve the Shenandoah Valley with convenient locations, a network of ATM’s, and a wide variety of financial services including banking and investments. Both individuals and businesses find that our professional staff and up to date equipment provide the kind of responsive, knowledgeable, and reliable service that only a progressive community bank can.

F&M Bank has grown over the years to over $750 million in assets, and boasts over 150 full and part-time employees. Our conservative approach to finances and sound investments, along with excellent customer service, has made us profitable and paves the way for a bright future.

F & M Bank Corp., incorporated in Virginia in 1983 as a one-bank holding company, owns 100% of the outstanding stock of its two affiliates, Farmers & Merchants Bank and TEB Life Insurance Company (a captive life insurance company). Farmers & Merchants Financial Services, Inc. (our investment division) is a wholly owned subsidiary of Farmers & Merchants Bank.

Bank stock purchase

Are you interested in becoming a shareholder of F&M Bank?

F & M Bank Corp. (the parent company of Farmers & Merchants Bank) common stock trades under the symbol “FMBM”. We would welcome you as an “owner.” Contact us to learn more.