Holiday Closure | Veterans Day (11/11/25): F&M Bank will be closed on Tuesday, November 11 in observance of Veterans Day. 
 Farmers and Merchants Saving Bank
Welcome to 
F&M Bank!
 We are proud to serve our communities through building relationships and going above and beyond in every aspect of what we do.

Mobile Banking
Do your banking on the go. Your trusted bank is now in your pocket.
- Bank from anywhere
 - Manage all of your accounts
 - It’s safe, easy and secure
 
Exceeding Expectations
F&M Bank's financial experts have the knowledge and products tailored perfectly to your business. 
 Business E-Banking Services
 Commercial Lending
 Our team of lending experts prides itself on our responsiveness to the needs of our clients.
Ag Lending
 We are proud to assist farming operations to expand and grow their business through generations.
 






