{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-22-010144","form_type":"8-K","ticker":"FMBM","cik":"0000740806","company_name":"F&M BANK CORP","filed_at":"2022-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:58.057601+00:00","generated_at":"2026-06-24T07:47:09.355543+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"F&M Bank Corp Q2 net income falls to $1.79M from $3.22M YoY; dividend $0.26/share","bullets":["Net income $1.79M ($0.51 EPS) vs $3.22M ($0.98 EPS) in Q2 2021, down 44%.","Net interest margin 3.15% (Q2), up from 2.82% in Q1; noninterest income $2.4M, down from $3.0M YoY.","Loans held for investment grew $32.3M (4.92%) in quarter; total deposits declined $12M (1.09%).","Nonperforming loans fell to 0.15% of assets (prior year 0.50%); provision for loan losses $600k.","Dividend $0.26 per share (payable Aug 29 to record Aug 14), annualized yield ~4.08% based on $25.48 close."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-22-010144","json":"https://secwatch.observer/filing/0001654954-22-010144.json","markdown":"https://secwatch.observer/filing/0001654954-22-010144.md","text":"https://secwatch.observer/filing/0001654954-22-010144.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/740806/000165495422010144/0001654954-22-010144-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/740806/000165495422010144/fmbm_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T07:47:09.355543+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}