F & M Bank Corp. (FMBM) Research

F & M Bank Corp. functions as the holding company for Farmers & Merchants Bank, offering a diverse range of commercial banking services throughout Virginia. The institution provides various deposit accounts for both businesses and individuals, including checking, savings, money market, and both demand and time deposit options. Customers benefit from modern conveniences such as internet, mobile, and drive-through banking services. Its extensive lending portfolio encompasses construction financing for residential and land development, commercial real estate loans, and general business loans. For consumers, the bank offers personal loans and lines of credit, automobile loans, deposit-secured loans, installment and demand loans, and home equity loans. Additional credit facilities include residential mortgages, credit cards, dealer financing, farmland loans, multi-family property loans, and commercial and industrial lending. Beyond traditional banking, the company also delivers brokerage services, a variety of insurance products (life, commercial, and personal), and safe deposit box rentals. It actively originates conventional and government-sponsored mortgages, alongside providing title insurance and real estate settlement services. As of December 31, 2021, the corporation operated thirteen banking branches across Rockingham, Shenandoah, Page, and Augusta counties, supplemented by a loan production office located in Penn Laird. F & M Bank Corp. was established in 1908 and is headquartered in Timberville, Virginia.

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