Welcome to our dedicated page for F & M Bk SEC filings (Ticker: FMBM), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The F & M Bank Corp. (FMBM) SEC filings page on Stock Titan provides direct access to the company’s regulatory disclosures as a financial holding company and parent of Farmers & Merchants Bank. These documents offer structured detail on the commercial banking business, capital structure, risk profile, and governance of this community-focused institution serving Virginia’s Shenandoah Valley.
Through its periodic reports and current reports, F&M Bank Corp. explains how it manages net interest income, funding costs, loan and deposit growth, and the composition of its diversified loan portfolio, which includes residential mortgage, commercial real estate, automobile, farmland, commercial and industrial, construction, and consumer segments. Filings also describe the investment securities portfolio, unrealized losses on available-for-sale securities, and the use of Federal Home Loan Bank advances, federal funds lines, and pledged securities at the Federal Reserve Bank discount window for liquidity.
Regulatory filings contain extensive information on asset quality and credit risk, including nonperforming loans, net charge-offs, the Allowance for Credit Losses on Loans, and reserves for unfunded commitments. They outline how economic conditions, collateral values, and portfolio mix affect provisions for credit losses. Current reports on Form 8-K, for example, have disclosed a subordinated note purchase agreement for fixed-to-floating rate subordinated notes structured to qualify as Tier 2 capital, as well as amended and restated employment agreements for senior officers with defined severance and change-of-control terms.
On Stock Titan, FMBM filings are updated in near real time from EDGAR and are accompanied by AI-powered summaries that highlight key items, such as capital actions, executive arrangements, and significant financing transactions. Users can quickly scan these explanations to understand the implications of complex documents, then review the full text of Forms 10-K, 10-Q, 8-K, and other submissions for deeper analysis.
F&M Bank Corp. reports significantly stronger 2025 results, with net income rising to $11.2 million from $7.3 million and earnings per share increasing to $3.16 from $2.07. Higher net interest income, driven by a wider net interest margin of 3.35% versus 2.77%, more than offset increased operating costs.
Total assets reached $1.37 billion as of December 31, 2025, with loans of $886.3 million and deposits of $1.25 billion. Credit quality remained solid, as nonperforming loans declined to 0.68% of total loans and the allowance covered over 129% of nonperforming assets.
The Bank remains well capitalized, with total risk-based capital at 14.04% and common equity tier 1 at 13.11%. Management continued returning capital through quarterly dividends totaling $1.04 per share and share repurchases under a $2.2 million buyback plan while maintaining robust regulatory capital and detailed risk, cybersecurity, and compliance frameworks.
F&M Bank Corp executive Evan S. McHaffa purchased 650 shares of Common Stock in an open-market transaction. The shares were bought at a price of $30.59 per share, and following this purchase he directly owns 650 shares of the company.
F&M Bank Corp executive Paul E. Eberly reported a small tax-related share disposition. On March 20, 2026, 197 shares of common stock were withheld at $30.59 per share to cover tax obligations. After this non-market transaction, he directly holds 9,636 common shares.
F&M Bank Corp President Barton E. Black reported a small, non-market transaction involving company common stock. On March 20, 2026, 367 shares were disposed of at $30.59 per share to cover tax obligations by delivering shares rather than cash.
After this tax-withholding disposition, Black held 16,735 shares directly. An additional 145,948.21 shares were listed as indirectly owned through allocation to him in the F&M Bank Corp ESOP, showing a much larger ongoing equity stake alongside this routine tax-related adjustment.
F&M Bank Corp executive Melody D. Emswiler had 156 shares of Common Stock withheld to cover tax obligations at a price of $30.59 per share. This non-market disposition was recorded as a tax-withholding transaction, and she now directly holds 7,951 shares following the event.
F&M BANK CORP Executive Vice President and Chief Lending Officer Paul E. Eberly bought 1,651 shares of Common Stock in an open-market purchase at $30.59 per share, increasing his direct holdings to 9,833 shares.
F&M Bank Corp CEO Aubrey M. Wilkerson reported an open-market purchase of 4,193 shares of common stock at $30.59 per share. After this transaction, he directly holds 31,163 common shares and indirectly holds 1,565 shares through the F&M Bank Corp. Employee Stock Ownership Plan.
F&M Bank Corp executive Charles C. Driest reported an open-market purchase of company stock. On March 19, 2026, the EVP and Chief Experience Officer bought 1,524 shares of F&M Bank Corp common stock at a price of $30.59 per share.
Following this transaction, his direct ownership increased to 10,190 common shares. This filing reflects a net share purchase, with no sales, option exercises, or derivative positions disclosed in the data provided.
F&M Bank Corp President Black Barton E. reported an open-market purchase of 3,000 shares of common stock at $30.59 per share. After this transaction, he directly holds 14,102 shares. He also indirectly holds 145,948.21 shares allocated to him through the F&M Bank Corp ESOP.
F&M Bank Corp executive Melody D. Emswiler, EVP and Chief Human Resources Officer, bought 1,321 shares of Common Stock in an open-market purchase at $30.59 per share. After this transaction, she directly owns 8,107 shares. This filing highlights a personal capital commitment by a senior officer.