{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-25-000936","form_type":"8-K","ticker":"FMBM","cik":"0000740806","company_name":"F&M BANK CORP","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.244661+00:00","generated_at":"2026-05-27T06:08:20.793673+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"F&M Bank Corp posts $0.64 Q4 EPS, FY net income up 163% to $7.3M","bullets":["Net income Q4 2024 $2.3M ($0.64/sh); full-year $7.3M ($2.07/sh), up 163% from $2.8M in 2023.","Total assets $1.30B; loans $839.9M (+2% YoY), deposits $1.20B (+5% YoY).","Net interest margin improved to 2.91% in Q4 (up 14 bps linked quarter); full-year NIM 2.77%.","Noninterest expenses fell $4.3M YoY to $34.4M; $500K insurance proceeds offset prior fraud costs.","Tangible book value per share rose to $23.53 from $21.55 as of Dec 31, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-25-000936","json":"https://secwatch.observer/filing/0001654954-25-000936.json","markdown":"https://secwatch.observer/filing/0001654954-25-000936.md","text":"https://secwatch.observer/filing/0001654954-25-000936.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/740806/000165495425000936/0001654954-25-000936-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/740806/000165495425000936/fmbm_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T06:08:20.793673+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"}