{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-26-004059","form_type":"8-K","ticker":"FMBM","cik":"0000740806","company_name":"F&M BANK CORP","filed_at":"2026-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.695647+00:00","generated_at":"2026-05-15T02:33:05.204613+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 Q1 net income $3.23M ($0.91 EPS), up 31% YoY; dividend $0.26 declared","bullets":["Net income $3.23M, EPS $0.91; up 31.3% YoY from $0.70. ROAA 0.94%, ROAE 12.18%.","Net interest margin expanded to 3.56% from 3.15% YoY; net interest income $11.43M (+21% YoY).","Total assets $1.41B (+2.6% linked quarter); loans $896.9M, deposits $1.28B (+2.4% each).","Non-performing assets down 46% YoY to $4.85M (0.34% of assets); provision for credit losses $309K.","Quarterly dividend $0.26/share, payable May 29, 2026, record May 15, 2026, ~3.31% annualized yield."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-26-004059","json":"https://secwatch.observer/filing/0001654954-26-004059.json","markdown":"https://secwatch.observer/filing/0001654954-26-004059.md","text":"https://secwatch.observer/filing/0001654954-26-004059.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/740806/000165495426004059/0001654954-26-004059-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/740806/000165495426004059/fmbm_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T02:33:05.204613+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":[{"claim_id":"fba13347f57d375e838408b9064865fbc5fae702","claim":"F&M BANK CORP reported the quarter ended March 31, 2026 results: net income $3.23 million, EPS $0.91 per share.","evidence_excerpt":"Net income was $3.23 million, or $0.91 per share, for first quarter 2026","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/740806/000165495426004059/0001654954-26-004059-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$3.23 million"},{"label":"EPS","value":"$0.91 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}