F&M Bank Corp. is a Virginia-based bank holding company that operates a community bank serving consumers and businesses in its local trade area. Through its banking subsidiary and related businesses, it provides deposit, lending, mortgage, insurance, title insurance, and dealer finance services, with a strong focus on the Shenandoah Valley and surrounding Virginia markets.
| % | |
|---|---|
| Deposit Banking | 25% Demand deposits, savings, money market, and certificates of deposit used to fund lending and liquidity. |
| Commercial and Consumer Lending | 45% Loans to businesses and households, including commercial real estate, agricultural, and home equity lending. |
| Mortgage Banking | 10% Mortgage origination and related lending activities serving homebuyers and refinancers. |
| Dealer Finance | 5% Loan production and financing services tied to local dealer relationships. |
| Insurance and Title Services | 8% Title insurance and insurance products offered through subsidiaries. |
| Fee and Other Noninterest Income | 7% Service charges, wealth management, ATM/check card income, and BOLI-related income. |
The bank serves individuals, households, small businesses, and local commercial borrowers in its Virginia footprint...
Individuals and households buying deposit accounts, consumer credit, and mortgage-related services for everyday banking and home financing.
Local businesses using deposit accounts, commercial loans, and treasury-style banking for operating needs and expansion.
Farm and agribusiness customers using real estate and operating loans tied to the regional economy.
Public-sector entities placing deposits for cash management and liquidity needs.
Homebuyers, sellers, and refinancers buying mortgage origination and title insurance services.
Business is concentrated in Virginia, especially Rockingham, Shenandoah, Augusta, and Frederick counties and the cities...
Management is focused on maintaining stable funding, especially core deposits, while preserving liquidity through...
Deposits are the core funding source, but backup borrowing capacity reduces stress if deposit balances weaken.
Loan growth drives net interest income, but underwriting discipline is needed to avoid credit losses in a local economy.
Fee businesses reduce reliance on spread income and help offset margin pressure from rates and competition.
The main risks are local credit quality, deposit competition, and interest-rate sensitivity, all of which can affect a...
The bank lends mainly in a concentrated Virginia market, so borrower stress or real estate weakness can quickly affect asset quality and provisions.
Rising market rates can lower the fair value of the securities portfolio and affect liquidity and capital flexibility.
Community banks depend on stable local deposits, and higher competition can increase funding costs or reduce balances.
As a state-chartered bank and financial holding company, the business is subject to banking supervision and capital/liquidity expectations.
: 28.4.2026