F & M Bank Corp. is the bank holding company for Farmers & Merchants Bank (the Bank). The Bank is a state chartered bank. The Bank offers a range of banking services, including commercial and individual demand and time deposit accounts, repurchase agreements for commercial customers, commercial and individual loans, Internet and mobile banking, drive-in banking services, automated teller machines (ATMs) at all branch locations and several off-site locations, as well as a courier service for its commercial banking customers. The Company offers insurance, mortgage lending and financial services through its subsidiaries, TEB Life Insurance, Inc. (TEB), Farmers & Merchants Financial Services, Inc. (FMFS) and VBS Mortgage, LLC (VBS). The Bank provides services to customers located mainly in Rockingham, Shenandoah, Page and Augusta Counties in Virginia, and the adjacent county of Hardy, West Virginia.