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F & M Bank Corp
205 S. Main Street
Phone: (540) 896-8941p:540 896-8941 TIMBERVILLE, VA  22853  United States Ticker: FMBMFMBM
Business Summary
F & M Bank Corp. is a one-bank holding company. The Company operates through its banking subsidiaries, Farmers & Merchants Bank (Bank) and VSTitle, LLC (VST). The Bank is a state-chartered bank. As a commercial bank, the Bank offers a range of banking services, including commercial and individual demand and time deposit accounts, commercial and individual loans, Internet and mobile banking, drive-in banking services, automated teller machines (ATMs), as well as a courier service for its commercial banking customers. The Bank provides various types of commercial and consumer loans and has a large portfolio of residential mortgages and indirect auto loans. VST provides title insurance services to the customers in its market area, including VBS Mortgage, LLC (F&M Mortgage) and the Bank. The Bank operates approximately 14 branches and a dealer finance division in the Shenandoah Valley of Virginia. The Dealer Finance Division specializes in providing automobile financing.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes------

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
12/31/202312/31/2023YesYes---

Industries
SIC Code Description
6022 State commercial banks
6029 Commercial banks, not elsewhere classified
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Independent Chairman of the Board of the Bank & Company Michael W.Pugh 68 12/1/2018 1/1/1994
President Barton E.Black 52 4/10/2023 3/1/2019
Chief Executive Officer Aubrey M.Wilkerson 65 4/10/2023 1/1/2021
12 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
FARMERS & MERCHANTS BANK 205 S Main St Timberville Virginia United States

Business Names
Business Name
Farmers & Merchants Bank
FMBM
Valley Southern Title, Ltd.
VSTitle, LLC

General Information
Number of Employees: 151 (As of 12/31/2023)
Outstanding Shares: 3,482,529 (As of 3/19/2024)
Shareholders: 2,583
Stock Exchange: OTC
Federal Tax Id: 541280811


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Thursday, April 25, 2024