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The history of F&M Bank can be traced to 1908, when it started its operation as a state chartered bank in Timberville as Farmers & Merchants Bank of Timberville, Inc. In 1983, F&M Bank was incorporated in Virginia and became a registered bank holding company. It maintains its headquarters in Timberville, VA and is a full-service financial institution, offering complete consumer, business, and financial services. F&M is the oldest and the only publicly traded corporation based in Rockingham County, VA.
Regional branch office locations of the bank are located in Bridgewater, Craigsville, Edinburg, Elkton, Grottoes, Luray, Staunton, Harrisonburg and Broadway and these offices share operational responsibility for retail operations and ATMs.