{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-25-008661","form_type":"8-K","ticker":"FMBM","cik":"0000740806","company_name":"F&M BANK CORP","filed_at":"2025-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.265587+00:00","generated_at":"2026-05-17T22:34:27.551501+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"F&M Bank Q2 net income $3.0M ($0.84/sh), up 21% QoQ; TBV up 9.1% YTD","bullets":["Net income $3.0M ($0.84/sh) for Q2 2025 vs $2.5M ($0.70/sh) in Q1; six-month net $5.4M vs $4.2M YoY.","Net interest margin rose 33 bps to 3.48%; loan growth $21.8M (2.63%) in Q2 driven by farmland and residential mortgages.","Tangible book value per share $25.68, up 9.1% or $2.15 YTD.","Quarterly dividend declared $0.26/sh, payable Aug 29 to holders of record Aug 14; 4.3% annualized yield.","Provision for credit losses $1.2M vs net recovery of $104K in Q1; nonperforming loans 0.90% of total loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-25-008661","json":"https://secwatch.observer/filing/0001654954-25-008661.json","markdown":"https://secwatch.observer/filing/0001654954-25-008661.md","text":"https://secwatch.observer/filing/0001654954-25-008661.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/740806/000165495425008661/0001654954-25-008661-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/740806/000165495425008661/fmbm_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T22:34:27.551501+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"}