F&M Bank Corp. filings document the regulatory record of a financial holding company whose wholly owned subsidiary is Farmers & Merchants Bank. The company's 8-K reports disclose operating results, quarterly dividends, material events, completed investment sales, and balance-sheet measures such as loans, deposits, capital ratios, asset quality, net interest income, and net interest margin.
Other filings cover proxy governance, annual meeting matters, director changes, executive employment agreements, and compensation arrangements. Capital-structure disclosures include subordinated notes issued to qualify as Tier 2 capital, related covenants and redemption terms, and the use of proceeds for existing subordinated debt and general corporate purposes.
F&M Bank Corp director Neil A. Houff reported an open-market purchase of common stock. On this transaction date, he bought 171 shares of F&M Bank Corp common stock at a price of $36.10 per share. After this purchase, his directly held position increased to 2,134 shares.
F&M Bank Corp director Bret V. Harrison bought shares of the company’s common stock in the open market. On this transaction date, he purchased 228 shares at a price of $36.10 per share, bringing his directly owned stake to 697 common shares after the purchase.
F&M Bank Corp director Edward Ray Burkholder bought additional stock in the company. On this Form 4, he reports an open-market purchase of 247 shares of Common Stock at $36.10 per share. After this trade, he directly holds 6,427 shares. The filing also shows 143,554 shares held indirectly in his capacity as trustee of the F&M Bank Corp ESOP.
F & M Bank Corp. reported that its board amended the 2020 Stock Incentive Plan. The changes define “Retirement” as ending employment or service after age 65 with at least five consecutive years of service, give the Compensation Committee discretion to accelerate vesting of unvested awards at Retirement, and update the clawback language so awards can be recovered as required by any law, regulation, or stock exchange rule and related company policies.
F & M Bank Corp. held its annual shareholder meeting on May 16, 2026, where investors voted on board elections, auditor ratification, and executive compensation. Shareholders elected four directors to serve until the 2029 annual meeting and one director, Bret V. Harrison, to serve until the 2027 meeting, with each nominee receiving roughly 1.68–1.71 million votes for versus modest withheld votes and 835,627 broker non-votes.
Shareholders also ratified Elliott Davis, PLLC as the independent registered public accounting firm for 2026 with 2,561,366 votes for, 2,395 against, and 102 abstentions. The advisory “Say on Pay” proposal approving compensation of named executive officers passed with 1,633,673 votes for, 64,861 against, 29,702 abstentions, and 835,627 broker non-votes.
Fourthstone LLC and related entities reported beneficial ownership of 355,199 shares of F&M Bank Corp common stock, representing 9.98% of the class based on 3,557,495 shares outstanding as of March 20, 2026. The filing is an amendment to a Schedule 13G/A and states the holdings were acquired in the ordinary course of business as an investment adviser and not to influence control.
The cover pages list related holders: Fourthstone Master Opportunity Fund Ltd (269,408 shares, 7.57%), Fourthstone GP LLC (85,791 shares, 2.41%), Fourthstone QP Opportunity Fund (73,842 shares, 2.08%), and Fourthstone Small-Cap Financials Fund (11,949 shares, 0.34%). Signatures by reporting persons appear dated May 15, 2026.
F&M Bank Corp director Dean W. Withers increased his personal stake through open-market purchases of common stock. He bought 2,000 shares at $34.50 per share on May 11, 2026 and another 127 shares at the same price on May 12, 2026, for a total of 2,127 shares.
After these transactions, he directly owns 50,000 shares of F&M Bank Corp common stock, so the new purchases represent a small addition of roughly 4% to his reported holdings.
F & M Bank Corp. reported solid first-quarter 2026 results, with net income of $3.2M compared with $2.5M a year earlier. Earnings per share were $0.91, while cash dividends remained $0.26 per share.
Total assets reached $1.41B, driven by loan growth to $896.9M held for investment and securities available for sale of $350.5M. Deposits totaled $1.28B, and the bank remained "well capitalized" with a Tier 1 leverage ratio of 8.84%.
Credit quality stayed manageable, with nonaccrual loans of $4.8M and an allowance for credit losses on loans of $7.9M. Net interest income improved to $11.4M as interest expense declined, supporting stronger profitability.
F&M Bank Corp. reported a one-time pre-tax gain of $4.8 million, resulting in after-tax net income of $3.8 million, from the sale of its investment in Richmond-based Bearing Insurance Group, Inc.
F&M held four units in Bearing valued at $223,922 in total, which were sold for $1,265,073 per unit, generating proceeds of $5.1 million. The company will recognize this as a one-time, non-recurring gain in second quarter 2026. Based on 3,583,785 shares outstanding on April 30, 2026, book value per share and tangible book value per share are estimated to increase by $1.07 each.