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Pam Abernathy

Mortgage Lending Officer, Vice President  

Pam Abernathy has been a part of the banking industry since 1983, with most of her career spent at F&M Bank. She is a 2001 graduate of Leadership Rowan and has completed numerous banking courses throughout her career in an effort to serve customers with the best, most up-to-date information. Pam has lived in the Salisbury/Rowan area all her life and is dedicated to giving back to her community through work with Waterworks Visual Arts Center, Salisbury/Rowan Association of Realtors, Central Carolina Realtors Association, Food for Thought, Salisbury Sales & Marketing Executives Association, Salisbury Rowan Home Builders Association and the National Association of Homebuilders. Her continued passion for mortgage lending comes from her desire to help her customers achieve their dreams of buying or renovating a home, sending their kids to college or refinancing to free up more of their own money. Pam is an true animal lover and her time off is spent with her two dogs, Pumpkin and Pearle, along with her husband of 27 years, David.

Pam Abernathy
NMLS#: 729655

Bob Setzer

Senior Mortgage Lending Officer, Vice President

With 43 years of experience in the mortgage lending industry, Bob Setzer has spent his career helping customers make their homeownership dreams come true. He has also committed to freely sharing his financial knowledge with local non-profits such as the South and East Rowan County YMCAs and Crosby Scholars, in partnership with the Rowan-Salisbury School System. Bob has also donated countless hours to community organizations like the Kiwanis, Salisbury Symphony Orchestra, Waterworks Visual Arts Center, Catawba College, Salisbury Sales & Marketing Executives Association, NSMA, Salisbury/Rowan Association of Realtors and Salisbury Rowan Home Builders Association. He and his wife, Pam, have two daughters, two son-in-laws and five grandchildren. Bob is an avid sports fan and huge supporter of the Washington Redskins, Carolina Tarheel basketball, Kannapolis Intimidators baseball, and can often be found tailgating and cheering on his alma mater at Catawba College football games.

Bob Setzer
NMLS#: 729667