For the latest information about F&M business operations and office access, please click here.
We Nurture Lasting Relationships
We’re a community bank committed to helping individuals, families, farmers, and business owners grow their dreams. From traditional banking to the latest advancements in mobile, we are financial partners here to help you make your best investment decisions.
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What can we do for you today?
From getting the best rate for your first home to maximizing your retirement savings, we have a range of products to suit your needs.
How can we help you grow your business?
Let us help with financing so you can focus more on keeping operations running smoothly. Explore our products. From short-term loans to treasury management, we tailor solutions to your business.
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Whether you’re ready to save money by switching to us or want help planning your next purchase, our tools make it simple.
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Whether you’re just starting out or a seasoned professional, we have a range of opportunities for ambitious and customer-centric individuals seeking a fulfilling career.
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F&M State Bank is dedicated to helping small businesses grow. On Small Business Saturday and throughout this holiday season, support the businesses in your town by shopping small and shopping local.
12 hours ago
Take the time to give thanks today. 💛
All F&M locations will be closed in observance of Thanksgiving.
3 days ago
“We are extremely pleased to welcome Lori to our Board,” commented Jack Johnson, Board Chairman. “Adding top talent across all areas of the Company, including our Board of Directors, is one of our top strategic initiatives. Lori is a proven leader and will be an asset to our Board and the Company.”
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3 days ago
At F&M State Bank, we nurture lasting relationships.
4 days ago
Haven’t had the same experience
Through the course of the COVID-19 pandemic, the health and safety of our customers, employees and communities has remained our highest priority. Like you, we are closely monitoring the ongoing developments related to the coronavirus and remain focused on the well-being of our customers, employees and communities. As our F&M communities continue to see increases in COVID-19 cases, we have made the difficult decision to adjust our office operations.
Beginning today, Monday, November 23rd, some of our offices will return to limited access. Limited access means that our lobbies are open by appointment only and our drive-up services are available.
For a complete listing of F&M offices who are on limited access, please visit the COVID-19 page of our website, www.fm.bank/covid-19-updates/, which is updated daily.
We encourage you to access your accounts from home, 24/7, using F&M online banking or the F&M mobile app. Here, you can check balances, transfer funds, pay bills, deposit checks or find the nearest ATM. We suggest the secure and convenient use of our mobile and online channels whenever possible to reduce the traffic at offices and other public areas to limit the spread of the virus.
We are committed to serving you and our communities in the best way possible as we navigate this pandemic. We will continue to carefully monitor the COVID-19 situation in our market areas. Should circumstances change, we will provide updates through our website, social media and e-mail. We value you as a customer and appreciate your patience as we move forward together.
6 days ago