For more than a century, F&M Bank has been an independent community bank serving farmers in the Shenandoah Valley. As the agriculture industry grows and changes, we grow with you to make sure we are meeting the needs of farmers and helping you succeed in a competitive environment. We are proud to be local and committed to investing in the farms that make up a large part of the economy in many communities in Augusta, Page, Rockingham, and Shenandoah counties.

Are you new to the agriculture industry? A longtime farmer looking to expand your business? Wherever you’re starting from, and whatever goal you hope to reach, F&M’s team of local and experienced ag lenders can help you find the right financing solution for your particular needs.

  • Agriculture Real Estate Financing helps you purchase new farm land or expand and renovate existing farms. You may also be able to refinance an existing loan at a better rate.
  • Cattle Farm Financing is for new and established cattle ranchers who need to buy livestock, supplies, and equipment. It can also be used for cattle farm and ranch real estate needs such as purchasing land and buildings, expanding your cattle farm, and refinancing previous loans for better rates and terms.
  • Dairy Farm Financing is for all of your needs related to starting or growing a dairy farm. It can help you purchase dairy cows, supplies, and equipment; acquire new land or buildings; renovate or expand operations; or refinance previous dairy farm loans.
  • Poultry Farm Financing helps turkey farmers and other poultry operations get established and grow through the purchase of new birds, equipment, and supplies, as well as the land and structures needed to run a successful poultry farm.

Nobody knows the Shenandoah Valley better than we do. From Harrisonburg to Staunton, F&M’s longtime presence in local communities gives us a deep understanding of local economies, real estate markets, and the particular needs of Shenandoah Valley farmers and agriculture businesses. Our employees live and work alongside you and all of our lending decisions are made locally. As an independent community bank we are also able to offer competitive and flexible financing rates and terms. We are held accountable by the outcomes of our clients--your success means we’ve done our job well.

F&M offers personalized service at every stage of the financing process. Contact our lending team about your agricultural financing needs.