F & M Bank has been California ’ s Strongest , since 1907 . That ’ s not changing , even in today ’ s economy . Some banks merge , change names , close locations , or reduce hours . At F & M Bank , we ’ ve been opening new branches and continuing investment in technology and infrastructure to better serve our clients .

Service is paramount at F & M Bank . While some banks will have you transact with a roboteller , or make an appointment , we have real bankers in our branches ready to greet you by name and offer you a fresh cup

of coffee . Stop by to meet our staff at a local branch near you .

F & M Bank is known locally as California ’ s Strongest . We have strong liquidity , strong capital ratios , a strong loan portfolio , and a stable and diversified client base . In 117 years F & M Bank has never placed profitability above client safety .

We offer a wide variety of personal and business banking products and services such as checking and savings , CDs and IRAs , home loans , and youth accounts . F & M Bank also has a robust online and mobile banking

application , including Treasury Management Services for businesses , to enhance client convenience and efficiency .

F & M Bank operates under the core principles of honesty , integrity , the home , the Church , and Service Above Self . Our employees take great pride in the communities we serve and it ’ s been that way for more than a century . In addition to volunteering our free time , we provided more than $ 4 million in community support in 2023 to charities , non-profit organizations , and religious entities .

www . FMB . com

NMLS # 537388

Some account features and benefits may be subject to separate application , agreement , fees , and / or approval . Terms , Conditions and Limitations may apply . Account features and benefits are subject to change with or without notice . All loans subject to credit approval .