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 director reports small stock purchase
A director of F&M Bank Corp reported buying 218 shares of the company’s common stock on 12/18/2025 in an open-market transaction coded as a purchase. The shares were acquired at a price of $28.25 per share, and the director now beneficially owns 2,972 shares held directly.
The filing notes that these shares were acquired from the issuer using the proceeds of a quarterly retainer, meaning the director’s regular board compensation was taken in stock rather than cash. No derivative securities transactions were reported.
A director of F&M Bank Corp reported a small stock purchase in a Form 4 insider transaction filing. On 12/18/2025, the director acquired 218 shares of F&M Bank Corp common stock at a price of $28.25 per share. The filing shows the transaction code "P," indicating a purchase, and the shares are held as a direct ownership position.
Following this transaction, the director beneficially owns 1,761 shares of F&M Bank Corp common stock directly. The explanation notes that the shares were acquired from the issuer using the proceeds of a quarterly retainer, meaning the director effectively took part of board compensation in stock rather than cash.
A director of F&M Bank Corp reported a small purchase of company stock. On 12/18/2025, the director acquired 218 shares of F&M Bank Corp common stock in a transaction coded as a purchase at a price of $28.25 per share. After this transaction, the director beneficially owned 7,372 shares, held directly.
According to the explanation provided, the shares were acquired from the issuer using the proceeds of a quarterly retainer, indicating this was part of the director’s compensation arrangement rather than a discretionary open-market trade.
F & M Bank Corp. reported that it and its bank subsidiary entered into amended and restated employment agreements with CEO Aubrey Michael Wilkerson, President Barton E. Black, and Executive Vice President and CFO Lisa F. Campbell effective December 16, 2025. The contracts set annual base salaries of $375,950 for Mr. Wilkerson, $329,250 for Mr. Black, and $292,500 for Ms. Campbell, with eligibility for executive bonus plans and standard employee benefits.
Each agreement runs through December 31, 2026 and automatically extends one year on each December 31 unless either party gives advance written notice or the agreement is otherwise terminated. If employment ends without cause or for good reason outside a change of control, each executive may receive up to 12 months of base salary, unpaid prior bonuses, and a welfare benefit tied to 12 months of incremental COBRA costs. Following a change of control, severance increases to a lump sum including a 24‑month welfare benefit and 2.99 times base salary plus the higher of target or most recent annual bonus, subject to a release of claims and compliance with non‑competition and non‑solicitation covenants that generally last 18 months after employment ends.
F&M Bank Corp (FMBM): Schedule 13G/A (Amendment No. 2) discloses that Fourthstone LLC and related entities report beneficial ownership of 307,793 shares of common stock, representing 8.65% of the class. The filing indicates shared voting and dispositive power over these shares.
Percentages are based on 3,557,267 shares outstanding as of August 12, 2025, as cited from the issuer’s 10-Q. The reporting persons state the securities were acquired and are held in the ordinary course of business and not for the purpose or effect of changing or influencing control.
F & M Bank Corp (FMBM) reported stronger Q3 2025 results. Net income rose to $2.9 million from $0.8 million a year ago, and EPS increased to $0.82 from $0.23. Net interest income improved to $10.5 million as deposit interest costs eased, while the provision for credit losses decreased versus last year.
Total assets were $1.36 billion at September 30, 2025, up from $1.30 billion at year‑end. Deposits reached $1.24 billion, and net loans held for investment were $864.5 million. Shareholders’ equity increased to $101.5 million, supported by an improvement in accumulated other comprehensive loss to $17.9 million from $27.4 million, reflecting narrower unrealized losses on securities.
For the first nine months, net income was $8.3 million (EPS $2.35) versus $5.0 million (EPS $1.44) last year. The allowance for credit losses was $7.8 million, and nonaccrual loans were $7.5 million. Cash and cash equivalents increased to $83.9 million. The company paid quarterly dividends of $0.26 per share; common shares outstanding were 3,556,658 as of November 4, 2025.
F & M Bank Corp. entered a Subordinated Note Purchase Agreement and issued $10.0 million of 7.55% fixed‑to‑floating rate subordinated notes due November 1, 2035.
The Notes pay 7.55% per annum from May 1, 2026 to but excluding November 1, 2030, then reset quarterly to three‑month SOFR + 424.5 bps to maturity, with interest payable in arrears. Beginning November 1, 2030, they are redeemable at the Company’s option on any scheduled interest payment date. The Notes are unsecured, rank junior to senior indebtedness, are not convertible, and are not callable by holders.
The Company states the Notes were structured to qualify as Tier 2 capital and intends to use proceeds to redeem existing subordinated debt and for general corporate purposes. The offering relied on Section 4(a)(2) and Regulation D exemptions. Separately, the Company furnished a press release announcing results for the quarter and nine months ended September 30, 2025 and its quarterly dividend.
F & M Bank Corp. reported a board change driven by its mandatory retirement policy. Director Daphyne S. Thomas retired from the board effective September 18, 2025 after reaching the mandatory retirement age set out in the company’s Amended and Restated Bylaws.
After retiring from active board service, Ms. Thomas became an honorary director. Under the bylaws, an honorary director may attend board meetings but is not entitled to vote, and will continue in this role until she tenders her resignation or the board requests it.
F&M Bank Corp (FMBM) director Peter H. Wray reported a purchase of company common stock on 09/18/2025. The Form 4 shows Mr. Wray acquired 238 shares at a price of $25.92 per share, paid using proceeds of a quarterly retainer, and now directly beneficially owns 7,154 shares. The filing was signed by an attorney-in-fact on 09/22/2025. All activity reported is non-derivative common stock and the acquisition code is P, indicating a purchase. No other transactions, derivative positions, or additional context are provided in the filing.
John A. Willingham, a director of F&M Bank Corp (FMBM), reported a purchase of 99 shares of the issuer's common stock on 09/18/2025 at a price of $25.92 per share. Following the transaction he beneficially owns 20,759 shares in a direct capacity. The filing identifies the transaction code P and explains the shares were acquired from the issuer using the proceeds of a quarterly retainer, indicating the share grant was compensation-related rather than an open-market purchase. The Form 4 was signed by an attorney-in-fact, Candy F. Barkley.