M&F Bancorp, Inc. is the bank holding company for M&F Bank, a community bank headquartered in Martinsville, Virginia. Through its subsidiary, the company offers a comprehensive suite of commercial and retail banking products and services designed to meet the needs of individuals, small- and medium-sized businesses, and municipal entities. Core offerings include checking and savings accounts, money market and time deposit products, consumer and mortgage loans, and commercial lending solutions.
Operating primarily in southwestern Virginia and northern North Carolina, M&F Bank maintains a network of full-service branches complemented by digital banking channels. Customers benefit from online and mobile banking platforms, cash management and treasury services, merchant card processing, and remote deposit capture. The bank emphasizes relationship-driven banking, tailoring lending and deposit solutions to support local industries such as manufacturing, healthcare, agriculture and real estate development.
As a community-focused financial institution, M&F Bancorp emphasizes prudent risk management, customer service and regional economic development. The holding company’s board of directors and executive leadership are drawn from local business and civic leaders, ensuring governance practices align with the needs of the markets it serves. M&F Bancorp’s commitment to personalized service and strong local relationships underpins its strategy for sustainable growth and community support.
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