Built for Warrenton’s Businesses, Farms, and Families
A Virginia-based bank with over a century of steady growth, local decision-making, and the strength to support your business, your land, and your family for generations.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank 
Online Banking
Download our app
Just scan the QR code and grab our mobile banking app—it’s super easy and makes banking a breeze!
Download our app
Tap the badge and grab our mobile banking app—it’s super easy and makes banking a breeze!
Why We’re Here
- We expand where relationships matter.
- Warrenton reflects the communities we serve best. Farmers. Business owners. Landowners. Builders of something long-term.
- We’ve been your neighbors since 1908. Now we’re here to build alongside you.
What Makes Us Different
- Local Decisions
Work directly with experienced lenders who understand this market and make decisions locally. - Regional Strength
Access the capital and lending capacity to support larger, more complex needs without added layers. - Consistent Performance
A long track record of steady, disciplined growth. - Agricultural Roots
Founded to serve farmers and merchants and that focus continues today.
For Business
- Manage cash flow
- Expand operations
- Simplify payments
- Business Banking Review
For Farms
- Equipment financing
- Land purchases
- Seasonal operating lines
- Ag Lending Consultation
For Families
- First home
- Saving for kids
- Managing everyday finances
iOS and Android Users