An independent community bank headquartered in the Shenandoah Valley since 1908, F&M Bank and its employees dedicate thousands of hours and dollars to the community and local economy. F&M Bank’s corporate philanthropy exceeds $300,000 annually while our team dedicates their time to civic and nonprofit involvement in the markets where they live, work and play. F&M’s Mission, Vision and Values continue to guide our commitment to helping consumers and small business build bright futures in the community we call home.

Our Mission

F&M Bank will be a strong, independent financial organization committed to solid shareholder value, exceptional customer service, active community involvement and a fulfilling employee experience.

Our Vision

Building our loyal customer base by developing lasting relationships in order to be the strongest bank in our communities.

Our Values


We make the communities we serve better.


We provide flexible financial solutions.


We respond quickly to all requests and opportunities.


We bring enthusiasm and a positive attitude to our endeavors.


We add fun into banking and our workplace!

Brand Promise

Banking you love from people who care.