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A Tradition of Strength 

In banking, as in life, experience makes a difference. And that difference is written all over F&M Bank’s more than 100-year history.

F&M has been a community bank, by design, from the very beginning. Chartered in 1909 with just two employees, we now serve the Greater Charlotte and Research Triangle areas with ten locations in Rowan and Cabarrus counties and have more than 130 employees. But that spirit of community can still be felt in the bank’s dedication to forging real relationships with customers and prioritizing the success of our neighbors.


Growing a Legacy

At its core, F&M Bank is still a North Carolina small business. But we’re also thrilled that we’ve been named one of the best banks in NC. The designation is particularly meaningful because it recognizes what we’ve known for over a century: our people are simply the best. F&M has always recruited exceptional team members, with an emphasis on top-notch customer service and financial expertise. It’s the very foundation of our company. 


Serving You Today

In an era when many banks have a revolving door of employees and names, F&M Bank is different. Thanks to a tradition of strength and security, our customers know that they’ll see the same faces—and the same name on the building—the next time they come in.

F&M is where small town meets big bank. We continue to be one of the best personal banks in Rowan and Cabarrus counties while also delivering a comprehensive suite of services. Whether you’re running a small business, investing for the future or ready to buy your dream home, F&M Bank offers the expertise and products to help—plus innovative technology that simplifies your financial life. 


Community Focused

We’ll admit we have a soft spot for the communities we call home. F&M Bank has a long history of giving back, from hometown reinvestment and money management education to the F&M Foundation. Today, F&M Bank has a leading market share in its location areas, and we’re doing more than ever to serve those communities.

The opportunity to support our neighbors is the reason F&M Bank was created and what still drives us today. From families to local North Carolina businesses, our customers remain our top priority as we usher in another century of service.