F&M Bancorp, Inc. is a bank holding company headquartered in Moulton, Alabama, serving as the parent of Farmers & Merchants Bank. Founded in 1909, the company has grown from a single community bank into a regional financial services provider. With a century-long legacy, F&M Bancorp emphasizes personalized service and local decision-making across its network of branches in North Alabama.
As the holding company for Farmers & Merchants Bank, F&M Bancorp offers a comprehensive range of financial products and services. These include checking and savings accounts, certificates of deposit and money market accounts for retail customers, as well as mortgage lending, commercial and agricultural loans. The company also provides wealth management, trust and investment advisory services to both individual and institutional clients, supplemented by treasury management solutions for small-to-medium-sized enterprises.
F&M Bancorp’s operations are focused primarily on the North Alabama region, with physical branch locations in Moulton, Courtland, Hartselle, Decatur and surrounding communities. In addition to its traditional branch network, the company has invested in digital banking platforms, mobile apps and online account services to support customers across urban and rural markets. This multichannel strategy aims to enhance convenience while maintaining the personalized approach that defines its community banking heritage.
The company is overseen by a board of directors and managed by a seasoned leadership team, including a President and Chief Executive Officer with more than two decades of banking experience. F&M Bancorp’s governance framework emphasizes local engagement, risk management and sustained growth, reflecting the institution’s commitment to regional development and customer-focused banking.
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