F M Bank

F M Bank is a full-service community bank that provides a range of financial products and services to customers across the Shenandoah Valley in Virginia. The bank was founded in 1908 and is headquartered in Timberville, Virginia. It has grown to include 13 branches throughout the region and offers personal and business banking, mortgage and lending services, as well as investment and insurance products.
The bank is dedicated to serving the needs of the local community and has a strong commitment to customer service. It strives to build personal relationships with its customers and provides personalized solutions to meet their financial needs. The bank also believes in giving back to the community through various philanthropic efforts and involvement in local organizations.
F M Bank is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender. Its financial stability and commitment to ethical business practices have earned it a 5-star rating from Bauer Financial, a leading independent bank rating firm.
F M Bank has a strong digital presence, with online and mobile banking services, as well as a robust social media presence where it engages with customers and shares updates on community events and financial advice.
Overall, F M Bank is a trusted, community-focused bank that has been serving the Shenandoah Valley for over a century. Its commitment to customer service and involvement in the local community make it a top choice for individuals and businesses in the region.

1. Community-focused: F M Bank is committed to serving the needs of its local communities. The company invests in community development projects, supports local charities and organizations, and provides financial education programs to help individuals and businesses thrive.
2. Employee-owned: F M Bank is proud to be employee-owned, which allows for a unique ownership structure and a strong sense of teamwork and commitment among its employees.
3. Personalized service: Instead of following a one-size-fits-all approach, F M Bank offers personalized financial solutions tailored to the specific needs of its clients. This allows for a more personalized and attentive banking experience.
4. Technology-driven: While F M Bank prides itself on its personalized service, it also recognizes the importance of technology in today’s banking industry. The company embraces technology to provide its clients with convenient and efficient banking solutions.
5. Strong values: The company is guided by strong values of integrity, accountability, and excellence. These values are evident in all aspects of its operations, from customer service to community involvement.
6. Long-standing history: F M Bank has a rich history dating back to 1908 when it was first established in Tennessee. This long-standing history demonstrates the company’s stability and commitment to serving its customers for generations to come.
7. Diverse services: F M Bank offers a diverse range of financial services, including personal and business banking, mortgage loans, insurance, investments, and more. This allows clients to have all their financial needs met under one roof.
8. Strong financial performance: Despite economic challenges, F M Bank has maintained a strong financial performance, generating consistent profits and maintaining a strong balance sheet. This stability and financial strength provide clients with confidence in the company’s services.
9. Focus on growth: F M Bank strives for continuous growth and improvement, both for the company and its clients. The company regularly invests in new technologies and services to better serve its customers.
10. Strong customer relationships: F M Bank values its customers and strives to build strong, long-term relationships with them. This customer-centered approach is evident in the company’s high customer satisfaction ratings and loyalty.

The F M Bank is a community bank that primarily focuses on providing traditional banking services to individuals, small businesses, and commercial clients. Their business model relies on building and maintaining strong relationships with their customers, meeting their financial needs, and offering personalized and responsive customer service.
Some key components of their business model include:
1. Deposits: The bank accepts deposits from individuals and businesses, which are used to fund loans and investments.
2. Loans: F M Bank provides a variety of loans, including personal loans, home loans, and commercial loans, to support customers’ financial goals and business operations.
3. Investments: The bank invests its deposits in a variety of assets, such as securities and loans, to generate income.
4. Fee-based services: F M Bank also earns revenue through fees for various services, such as account maintenance, wire transfers, and ATM usage.
5. Digital banking: The bank has adopted digital technologies to offer online and mobile banking services, making it convenient for customers to manage their accounts remotely.
6. Community involvement: F M Bank places a strong emphasis on community involvement and supports local businesses, charities, and organizations.
7. Risk management: The bank follows strict risk management practices to ensure the safety of its customers’ deposits and maintains a good financial standing.
Overall, F M Bank aims to provide a reliable, customer-focused, and community-oriented banking experience to its clients while maintaining a sustainable and profitable business model.

- F M Bank is a community bank based in Winchester, Virginia.
- The bank was founded in 1908 and has been in continuous operation for over 100 years.
- F M Bank is a subsidiary of F M Financial Corporation, a publicly traded bank holding company.
- The bank has 12 branch locations throughout Northern Virginia and the Shenandoah Valley region.
- F M Bank offers a wide range of banking and financial services including personal banking, business banking, mortgage services, and wealth management.
- The bank has consistently been ranked as one of the top performing community banks in the nation by various industry publications.
- F M Bank has received numerous awards and recognitions for its commitment to customer service and community involvement.
- The bank is known for its philanthropic efforts and regularly gives back to the communities it serves through donations and volunteer work.
- F M Bank is a member of the Federal Deposit Insurance Corporation (FDIC) and an Equal Housing Lender.
- The bank’s mission is to provide exceptional financial services and to make a positive impact in the communities it serves.
See Company Due Diligence: