Farmers & Merchants Bank

your support deserves a standing ovation

The spotlight’s on you—thank you for voting F&M Bank the “Best Financial Institution in Rowan County” for an amazing 14 years in a row!

Check out our awards


Linn Cove Viaduct road going through the Appalachian mountains in autumn.

TRAVELING FOR THE HOLIDAYS?

Contact us to ensure debit card access while you are out of town!

contact us today


A tradition of growth

For generations, F&M Bank has been in the business of helping our clients grow—their savings, their businesses, their retirement and their family’s legacy.

Let us help you grow into the future too

    A Tradition for Life

    There’s no substitute for experience, and F&M Bank’s over-a-century history is a unique promise in today’s ever-changing world. Even better? We combine that foundation of strength with leading-edge tools, a community-first approach, and unmatched business resources to power your financial life.

    A person building a fence in their community.

    Our Community Commitment

    We all work better when we work together, which is why reinvesting in the communities we serve is one of our top priorities.

    A F&M Bank employee smiling.

    A Career You Can Bank On

    Searching for a career at an award-winning employer where you’re highly valued and make a difference in people’s lives every day? We want to talk to you!

    F&M Bank CEO Steve Fisher and Chanaka Yatawara, Executive Director of Salisbury Community Development Corporation, talking in front of a house in the Jersey City neighborhood

    Here Today, Here Tomorrow

    Our 115-year history proves that unwavering commitment to our clients and our communities is always the right decision.


    A technician working on motor parts for a vehicle.

    Your Business, Your Way

    Your business is more than what you do—it’s a big part of who you are. F&M Bank’s expert Commercial team can help every step of the way, from your initial loan to expansion funds.

    Commercial Lending Done Right

    Young boy playing baseball with dad with mom and little sister and dog in yard in front of a house.

    Making (Home) Dreams Come True

    You're not a number. You're our neighbor! That's why we give your mortgage the time and attention you deserve, with personal support every step of the way.

    Check out our Mortgages

    Your Cybersecurity Tool Kit

    Not sure how to protect your information in an increasingly online world? F&M Bank’s library of resources offers easy-to-understand guides for safeguarding your data, whether you’re making a purchase, emailing a friend, or checking out the latest social media trend.

    Learn More at Our Security Center