Community Reinvestment Act



F&M Bank is a locally owned, independent bank that’s proudly served North Carolina communities since 1909. From the beginning, our mission has been simple: invest in our neighbors and help our communities thrive.

Under the Community Reinvestment Act (CRA), the following information must be maintained by F&M Bank in a public file, current as of April 1 each year. You can view F&M Bank's CRA file here.