Welcome to F&M Bank!

Chartered in 1909, F&M Bank progressively and purposefully evolved from two employees and one location into the community bank of choice by residents of Rowan County, North Carolina. F&M Bank set a longstanding precedence of gathering together great people focused on providing great service, and ultimately has grown to 160+ employees. In its county of origin, Rowan County, F&M Bank leads market share at 28% with eight locations. F&M has two full service branches now open on Dale Earnhardt Blvd. in Kannapolis and on N. Church St. in Concord, NC marking a corporate expansion into Cabarrus County, N.C. Customers of F&M Bank are offered a full array of financial services provided by experienced and caring professionals. F&M Investment Services, Inc., a wholly owned subsidiary of F&M Bank, has three full service investment consultants offering their clients an array of insurance and investment options for retirement and estate planning. Linsco/Private Ledger is the registered broker/dealer, a member of NASD/SIPC.

As F&M grows, it continues to be recognized for its sound banking practices.

"Based on capital strength, asset quality, income and other factors, F&M Bank has earned the Blue Ribbon Award and is recognized as one of the safest banks in America."
- VERIBANC Inc.

Clients value F&M Bank's combination of solid products and excellent customer service. F&M Bank offers a variety of financial services including:

  • Deposit Products
  • Loans
  • Commercial Services
  • Investment Services
  • Insurance Services
  • Online Banking
  • Telebanking
  • Home Mortgages
    		•

    In addition to our products, F&M employs experienced and caring professionals who strive to provide first class service to our customers.

    Thank you for visiting our web site and we look forward to being able to serve you.