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Farmers & Merchants Bank


Overview / Commentary
www.fmbankva.com
540-896-8941
205 S. Main St.
Timberville, VA 22853

From the Bank

F&M Bank provides the financial resources our clients need to build a brighter and more secure future in our community. Since 1908, we have built relationships with our clients, team, and the community we call home. From traditional storefront banking to an online platform accessible from anywhere in the world and on any device, F&M Bank provides personal and business banking you love from people who care.

F&M Bank provides personal and business banking in the Shenandoah Valley and beyond. Member FDIC.

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Health
B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #8668
Year Established1908
Employees157
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD10.5%
Annual Interest Income$31.2MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$1.31B$1.28B
LoansQ2 2024vs Q2 2023$822.5MM$768.4MM
DepositsQ2 2024vs Q2 2023$1.19B$1.14B
Equity CapitalQ2 2024vs Q2 2023$83.5MM$72.6MM
Loan Loss AllowanceQ2 2024vs Q2 2023$7.8MM$8.8MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$7.6MM$2MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers & Merchants Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$5$5kTreehouse Savings Club
OTHER TIERS: 0.15% → $5k+
0.15%$0-Premium Savings
0.15%$0-Christmas Club Savings
0.15%$0-Business Premium Savings

Farmers & Merchants Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.71%*$1.5m*-F & M Money Market
OTHER TIERS: 3.04% → $1k - $100k | 3.10% → $100k - $250k | 3.20% → $750k - $1.5m | 3.25% → $250k - $750k
3.71%*$1.5m*-Business Money Market Account
OTHER TIERS: 3.04% → $1k - $100k | 3.10% → $100k - $250k | 3.20% → $750k - $1.5m | 3.25% → $250k - $750k

Farmers & Merchants Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$250k*-Checking For Non Profits
OTHER TIERS: 0.55% → $1k - $10k | 0.75% → $10k - $100k | 0.95% → $100k - $250k
0.10%$1k-Sole Proprietorships Interest Checking

Farmers & Merchants Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.29%$1k-12 Month CD
3.29%$1k-Business 12 Month CD
3.03%$1k-12 Month Penalty Free CD
3.03%$1k-Business 12 Month Penalty Free CD
3.03%$1k-9 Month CD
3.03%$1k-Business 9 Month CD
2.78%$1k-24 Month CD
2.78%$1k-Business 24 Month CD
2.77%$1k-182 Days CD
2.77%$1k-Business 182 Days CD
2.52%$1k-36 Month CD
2.52%$1k-Business 36 Month CD
2.52%$1k-3 Month CD
2.52%$1k-Business 3 Month CD
2.02%$1k-48 Month CD
2.02%$1k-Business 48 Month CD
1.91%$1k-60 Month CD
1.91%$1k-Business 60 Month CD
Locations

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