A Virginia Tradition Since 1908

F&M Bank is headquartered in the Shenandoah Valley, with a network spanning the I-81/I-64 corridor from Winchester to Waynesboro and beyond.  The only publicly traded organization (OTCQX: FMBM) based in Rockingham County, the Company’s core values of being gregarious, resolute, original, and wholehearted drive its corporate philanthropy, volunteerism, and local decisionmaking. Founded in 1908 as a community venture to serve the farmers and merchants of rural western Virginia, today F&M Bank remains more committed than ever to the success of the agricultural industry, small business ventures, and the nonprofit sector.

We support you with a robust digital banking suite, full-service branches, and essential services like mortgage loans, title services, wealth management, business banking, and agricultural lending. With philanthropic efforts totaling over $300,000 annually, and a team dedicated to volunteering, we are dedicated to a bright future right here where we all live, work and play. 

Local Roots and Local Decisions 

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 grows on the ridge north of Timberville, VA. The tree’s broad canopy symbolizes shelter and signifies the full coverage of services provided by the bank. 

Committed to Community 

F&M Bank provides smart banking and educational resources that enrich the lives of our neighbors and community members. As stewards of financial wellness, you will find our team serving on civic and nonprofit boards, volunteering in K-12 classrooms, and reading essays for scholarship programs championed for the Virginia Bankers Association, Blue Ridge Community College, Laurel Ridge Community College and more. We are passionate about education, the arts, and athletics, showing up to support programs at Bridgewater College, Eastern Mennonite University, and donning purple and gold as JMU Alumni Association’s Affinity Banking Partner 

F&M Is The Best Bank For Local Business  

Voted by Virginia Living Magazine as one of the Top Three Best Banks in the Shenandoah Valley, we are grateful to play a part in the growth and success of our region. F&M’s dedicated associates are here to help you create strategies you can depend on with services that make sense for your needs. Contact a member of our team today to learn more about the community banking difference. 

F&M Bank’s Vision

Focused independent financial partner; harnessing sustainable community growth, fostering generational impacts.

F&M Bank’s Mission

Your financial partner of choice in the Shenandoah Valley – yesterday, today, and tomorrow.

F&M Bank’s Values: G.R.O.W.


We are people who cultivate a sense of community and companionability. 


We are people who have the tenacity to persevere with a steadfast vision for accomplishment.


We are people who aspire to be and share their authentic selves. 


We are people who are proudly committed to being all in at F&M and don’t overlook the small things.


F&M Bank’s Value Series:

Culture Values Community Bank

Introducing Our Values Series: Shaping the Future of F&M Bank

As F&M Bank celebrated its 115th birthday last August, we embarked on a journey to continue our legacy as we also define and shape the future of our…