{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-26-000812","form_type":"8-K","ticker":"FMBM","cik":"0000740806","company_name":"F&M BANK CORP","filed_at":"2026-02-02T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.626753+00:00","generated_at":"2026-05-16T05:48:51.952729+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"F&M Bank Corp reports record 2025 net income of $11.2M, up 53% YoY","bullets":["Net income of $11.2M ($3.16/share) for 2025, a record, up $3.9M from $7.3M ($2.07/share) in 2024.","Net interest margin rose 57bps to 3.35%; earning asset yield 5.46%, cost of funds 2.15%.","Total assets grew 5.5% to $1.37B; loans $886.3M (+5.5%), deposits $1.25B (+4.2%).","Book value per share up 20.6% to $29.46; tangible book value $28.58.","Quarterly dividend declared $0.26/share, payable March 2 to holders of record Feb 14, 3.40% annual yield."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-26-000812","json":"https://secwatch.observer/filing/0001654954-26-000812.json","markdown":"https://secwatch.observer/filing/0001654954-26-000812.md","text":"https://secwatch.observer/filing/0001654954-26-000812.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/740806/000165495426000812/0001654954-26-000812-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/740806/000165495426000812/fmbm_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:48:51.952729+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"}