secwatch.observer — SEC 8-K summary
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Issuer:     F&M BANK CORP (FMBM)
CIK:        0000740806
Form:       8-K
Filed at:   2026-04-29T23:59:59+00:00
Accession:  0001654954-26-004059
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

F&M Bank Q1 net income $3.23M ($0.91 EPS), up 31% YoY; dividend $0.26 declared
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/740806/000165495426004059/0001654954-26-004059-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/740806/000165495426004059/fmbm_8k.htm
  HTML page:      https://secwatch.observer/filing/0001654954-26-004059

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer