F&M FINANCIAL CORP is the bank holding company. FARMERS & MERCHANTS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.
Bank Holding Company
F&M FINANCIAL CORP
Legal name: F & M FINANCIAL CORPORATION
1 active bank · $986M combined assets
RSSD ID: 1076619 (FFIEC NIC)
Combined Assets
$986M
CRA Rating Summary
Satisfactory1charter
Across all 11 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$986M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$831M
Net Income
$6M
ROA (avg)
2.48%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| FARMERS & MERCHANTS BANK | GRANITE QUARRY, NC | FDIC | $986M | 100.0% | Satisfactory | Oct 2023 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.