Farmers & Merchants Bank

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Welcome to F&M Bank! Chartered in 1909, F&M Bank progressively and purposefully evolved from two employees and one location into the community bank of choice by residents of Rowan County, North Carolina. F&M Bank set a longstanding precedence of gathering together great people focused on providing great service, and has ultimately grown to 160+ employees. In its county of origin, Rowan County, F&M Bank leads market share at 25% with eight locations. F&M's ninth full service branch is now open just over the county line, marking a corporate expansion into Cabarrus County, N.C. Customers of F&M Bank are offered a full array of financial services provided by experienced and caring professionals. The newly formed F&M Mortgage Corporation makes available a full line of home mortgage products for home buyers. F&M Investment Services, Inc., a wholly owned subsidiary of F&M Bank, has three full service investment consultants offering their clients an array of insurance and investment options for retirement and estate planning. Linsco/Private Ledger is the registered broker/dealer, a member of NASD/SIPC.As of March 31, 2004, F&M Bank reported more than $395 million in total assets. As F&M grows, it continues to be recognized for its sound banking practices."Based on capital strength, asset quality, income and other factors, F&M Bank has earned the Blue Ribbon Award and is recognized as one of the safest banks in America."

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