F & M Bank (OTCMKTS: FMBM) is a community-oriented financial institution headquartered in Chambersburg, Pennsylvania. Established in the early 20th century, the bank has grown from its roots as a single‐branch savings provider into a full‐service regional bank. Over its history, F & M Bank has remained focused on serving the needs of individuals, families and businesses in its core markets while maintaining strong ties to the communities it serves.
The bank offers a comprehensive suite of banking products and services, including personal checking and savings accounts, residential and commercial mortgages, business lending solutions and wealth management services. Customers can access online and mobile banking platforms for convenient account management, bill pay, mobile deposit and real‐time transaction alerts. In addition, F & M Bank provides specialized Treasury management services for corporate clients, helping them optimize cash flow, manage receivables and streamline payment processes.
F & M Bank’s geographic footprint encompasses south‐central Pennsylvania and portions of the Eastern Panhandle of West Virginia. Through its network of full‐service branch offices, loan production offices and ATMs, the bank supports local economies by financing residential real estate, small‐business growth and agricultural operations. The institution’s community development initiatives include financial literacy programs, small‐business partnerships and support for local nonprofit organizations.
The institution is governed by a board of directors and an executive leadership team that oversees strategic planning, risk management and day‐to‐day operations. Under the guidance of its senior management, F & M Bank continues to emphasize personalized customer service, prudent growth strategies and a strong capital position, with the goal of enhancing shareholder value and advancing community prosperity.
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