---
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"
generated_at: "2026-05-17T22:34:27.551501+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# F&M Bank Q2 net income $3.0M ($0.84/sh), up 21% QoQ; TBV up 9.1% YTD

## Summary
- 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.

## SEC filing metadata
- 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
- 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/740806/000165495425008661/0001654954-25-008661-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/740806/000165495425008661/fmbm_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-25-008661
- JSON: https://secwatch.observer/filing/0001654954-25-008661.json
- Plain text: https://secwatch.observer/filing/0001654954-25-008661.txt

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