F&M Bank Nationally Recognized as Top-Producing Lender

TIMBERVILLE, VA—July 22, 2016— Farmers & Merchants Bank, a locally owned independent community bank headquartered in Timberville, VA, is proud to be nationally recognized as a top-producing lender by Independent Banker.

The award winning magazine, produced by the Independent Community Bankers of America, named Farmers & Merchants Bank one of the top 50 community banks across the United States. This honor distinguishes Farmers & Merchants as a community bank with a proven record of successfully responding to the needs of its community and providing loans to individuals, families, and small businesses.

Farmers & Merchants ranked in the top 10 banks nationwide in total overall lending. A successful, community bank holding over $650 million in total assets, Farmers & Merchants ranked number 3 with 89.1% of total loans to total assets, a jump in the rankings from number 14 in 2015. Of the 50 banks holding $500 million plus in assets, Farmers & Merchants was one of only four Virginia banks awarded, and the only Virginia bank to break the top 30. This is an impressive recognition for a locally owned and operated community bank.

Farmers & Merchants Bank prides itself on strong customer service and relationships, and this award is a reflection of the service of dedicated employees and the thriving communities served by Farmers & Merchants Bank.

About F&M Bank

F&M Bank serves the Shenandoah Valley with eleven full-service branches, a network of ATMs, and a wide variety of financial services. Both individuals and businesses find the organization's local decision-making, and up-to-date technology provide the kind of responsive, knowledgeable, and reliable service that only a progressive community bank can. Farmers & Merchants Bank has grown to over $650 million in assets — celebrating its most successful year in history in 2015 — and boasts over 160 full and part-time employees. Its conservative approach to finances and sound investments, along with excellent customer service, has made F&M Bank profitable and continues to pave the way for a bright future.