FDIC-Insured - Backed by the full faith and credit of the U.S. Government

About Us

Serving farmers and merchants since 1908.

F&M Bank is headquartered in the Shenandoah Valley, serving communities along the I-81 and I-64 corridor. As the only publicly traded bank (OTCQX: FMBM) based in Rockingham County, we bring together local perspective and long-term financial strength.

Rooted in Local Connections

Founded to serve the farmers and merchants of rural western Virginia, we continue to support the agricultural industry, small businesses, and nonprofit organizations that drive our communities forward.

Our tree logo reflects that foundation—rooted in local connections, steady growth, and a lasting commitment to the communities we serve.





We believe strong communities are built through consistent support and shared investment. Our efforts are focused around three core pillars—Sustenance, Security, and Enrichment—which guide how we invest in and show up for our communities.

Our team serves on nonprofit and civic boards, volunteers in local schools, and supports scholarship programs across the region. We’re proud to partner with organizations that support education, the arts, and athletics, helping strengthen the communities we call home.
Named one of the Top Three Best Banks in the Shenandoah Valley by Virginia Living and featured in Forbes Best-in-State Banks, F&M Bank is consistently recognized across our markets as a Best Bank, Mortgage, Wealth, and Agricultural lender—and as a top place to work.
A focused independent financial partner; harnessing sustainable community growth, fostering generational impacts.
Your financial partner of choice in the Shenandoah Valley – yesterday, today, and tomorrow.

Our GROW values (Gregarious, Resolute, Original, and Wholehearted)  focus on strong relationships, steady support, individual perspective, and care in every interaction. 

















Shenandoah River during the fall.


iOS and Android Users

Download the F&M Bank app on your mobile device.

Our connection to the community shows up in big ways and small ones. Each year, our Annual Calendar Contest invites local photographers to capture the places and moments that make our region unique. Selected images are featured in our calendar, celebrating the communities we’re proud to serve.
































 








Be part of what we’re building.

We’re always looking for people who care about their communities and want to make a meaningful impact. Explore opportunities to grow your career with a team that values connection, collaboration, and long-term success.


















From local partnerships to hands-on volunteerism, our commitment goes beyond banking.