Bobby Williams

Agriculture Real Estate Financing

Investing in farmland or expanding your agricultural operation requires a financing partner who understands the industry. At F&M Bank, we offer tailored real estate financing solutions designed to help farmers and agribusiness owners acquire, develop, and improve farmland. With competitive rates and flexible terms, we’re committed to supporting the long-term growth of agriculture in the Shenandoah Valley.

Cattle Farms

Raising and managing livestock comes with unique financial needs, from purchasing land and equipment to covering feed and veterinary expenses. F&M Bank provides customized financing options for cattle operations, helping farmers maintain healthy herds and a thriving business. Our Ag Lending team understands the cycles of the livestock industry and is here to support your operation year-round.

Dairy Farms

Dairy farming requires significant investments in livestock, milking equipment, feed, and facility upgrades. F&M Bank offers specialized financing solutions to help dairy farmers manage cash flow, purchase essential equipment, and expand operations. Whether you’re upgrading milking systems or expanding your herd, our team is dedicated to helping you build a sustainable dairy business.

Poultry Farms

Poultry farming is a vital industry in the Shenandoah Valley, and F&M Bank is well-versed in the unique financial requirements of poultry producers. From constructing new poultry houses to upgrading ventilation and feeding systems, our lending solutions are designed to support your farm’s efficiency and profitability. Our Ag Lending team understands the industry’s challenges and is ready to help you grow.

Linked Line of Credit

Agriculture is unpredictable, and having access to flexible financing is essential for managing seasonal expenses, input costs, and cash flow fluctuations. F&M Bank’s Linked Line of Credit is designed specifically for farmers, offering a revolving credit line that allows you to borrow as needed. Whether you need to purchase seed, cover unexpected expenses, or manage operating costs, our linked credit line gives you the financial flexibility to keep your farm running smoothly.

Bobby Williams

Commercial Ag Lender

Bobby Williams, Lead Agricultural Lender at F&M Bank, has dedicated over 12 years to serving farmers and agribusiness owners across Rockingham County and the Shenandoah Valley. With deep roots in agriculture, Bobby understands firsthand the challenges and opportunities that come with managing a farm.

Raised on 14 acres in Washington County, Pennsylvania, Bobby was active in 4-H and grew up raising hogs, chickens, turkeys, cattle, rabbits, sheep, goats, and horses. While he initially set out to become a veterinarian, his career path shifted after earning his Bachelor of Science degree in Agriculture from Virginia Tech. He went on to work as a fieldman for a poultry integrator for eight years before transitioning into agricultural lending – a role that allows him to combine his love of numbers with his ability to connect with people in the farming community.

For more than a decade, Bobby has helped producers secure financing for farm operations, equipment, livestock, crops, and land. His philosophy is simple: be there for his clients. Whether it’s a banking question or something beyond, Bobby encourages farmers to call him day or night, knowing he’ll work to get them an answer.

Outside of the office, Bobby is a devoted husband and father. He is actively involved in community organizations, including Montezuma Ruritans, Bridgewater Little League, and Herd Softball, where he supports youth and family-centered initiatives.

Areas of Focus:

Farm loans and agribusiness financing in Rockingham County and the Shenandoah Valley
Poultry, dairy, beef, and crop lending solutions
Equipment financing and farm real estate loans
Long-term relationships built on trust, accessibility, and local agricultural knowledge

With his strong background in both farming and finance, Bobby Williams is more than a lender, he’s a trusted partner dedicated to helping Shenandoah Valley farmers grow and succeed.