Bank · FDIC insured
F&M Bank
A $1.4B bank headquartered in Timberville, VA, with 16 branches in Virginia. Best rates: CDs 2.78% and savings 2.55% APY.
F&M Bank Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#6 of 16 in Harrisonburg, VA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About F&M Bank
Founded in 1908 to serve rural western Virginia farmers and merchants, F&M Bank is a publicly traded community bank based in Rockingham County.
Headquartered in the Shenandoah Valley, the bank serves communities along the I-81 and I-64 corridors with agricultural lending, small business banking, and personal financial services.
- Headquarters
- 165 New Market Rd, Timberville, VA 22853
- FDIC certificate
- 8668 ↗
Branches
16 branches in Virginia
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Virginia
16 branches
Harrisonburg area · 6
- Farmers & Merchants BankMain office165 New Market Rd, Timberville, VA 22853Directions
- Bridgewater Branch100 Plaza Dr, Bridgewater, VA 22812Directions
- Broadway Branch126 N Timber Way, Broadway, VA 22815Directions
- Elkton Branch127 Rockingham Street, Elkton, VA 22827Directions
- Crossroads Branch80 Cross Keys Rd, Harrisonburg, VA 22801Directions
- Legacy Branch2030 Legacy Ln, Harrisonburg, VA 22801Directions
Staunton area · 4
- Myers Corner Branch30 Gosnell Xing, Staunton, VA 24401Directions
- North Augusta Branch2813 N Augusta St, Staunton, VA 24401Directions
- Stuarts Draft Branch2782 Stuarts Draft Hwy, Stuarts Draft, VA 24477Directions
- Waynesboro Branch2701 W Main St, Waynesboro, VA 22980Directions
Winchester area · 3
- Amherst Branch1738 Amherst St, Winchester, VA 22601Directions
- Winchester Branch45 E Boscawen St, Winchester, VA 22601Directions
- Winchester Downtown Branch3 S Cameron St, Winchester, VA 22601Directions
Edinburg area · 1
- Edinburg Branch320 Stoney Creek Blvd, Edinburg, VA 22824Directions
Washington area · 1
- Warrenton Branch28 Blackwell Park Ln, Warrenton, VA 20186Directions
Woodstock area · 1
- Woodstock Branch161 S Main St, Woodstock, VA 22664Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.10% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.43% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.24% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $73 | $88 | — |
- CapitalLeverage ratio9.10%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.43%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.24%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$73Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of F&M Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.