---
schema_version: "secwatch.filing_event.v1"
accession: "0001654954-22-014254"
form_type: "8-K"
ticker: "FMBM"
cik: "0000740806"
company_name: "F&M BANK CORP"
filed_at: "2022-10-27T23:59:59+00:00"
generated_at: "2026-06-23T00:27:33.749902+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# F&M Bank Corp. reports Q3 2022 net income of $2.3M; declares $0.26 dividend

## Summary
- Net income $2.3M for Q3, $6.6M for nine months ended Sep 30, 2022.
- Deposits grew $17.2M to $1.1B; loans held for investment (ex-PPP) up $6.7M to $699.6M.
- Nonperforming assets as % of total assets fell to 0.19% from 0.45% at Dec 31, 2021.
- No provision for loan losses in Q3; $150K provision YTD.
- Dividends: $0.26/share, payable Nov 29, 2022 to holders of record Nov 14, 2022 (annualized yield 4.45%).

## SEC filing metadata
- accession: 0001654954-22-014254
- form_type: 8-K
- ticker: FMBM
- cik: 0000740806
- company_name: F&M BANK CORP
- filed_at: 2022-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/740806/000165495422014254/0001654954-22-014254-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/740806/000165495422014254/fmbm_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-22-014254
- JSON: https://secwatch.observer/filing/0001654954-22-014254.json
- Plain text: https://secwatch.observer/filing/0001654954-22-014254.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.