{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-26-007023","form_type":"8-K","ticker":"FMBM","cik":"0000740806","company_name":"F&M BANK CORP","filed_at":"2026-07-30T18:25:06+00:00","discovered_at":"2026-07-30T18:29:41.357073+00:00","generated_at":"2026-07-30T18:29:47.409492+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"F&M Bank Corp Q2 2026 net income $5.37M ($1.50 EPS) vs $2.97M year ago; dividend $0.26/share","bullets":["Net income $5.37M ($1.50 diluted EPS) vs $2.97M ($0.83) in Q2 2025, up 81% YoY.","Net interest margin expanded to 3.79% from 3.48% a year ago; net interest income $12.33M, up 17% YoY.","Nonrecurring items: $4.8M gain on sale of Bearing Insurance offset by $3.5M loss on bond portfolio restructuring, net $1.3M pre-tax gain.","Total assets $1.4B, loans $925.3M (+4.4% YTD), deposits $1.26B (+0.98% YTD).","Dividend declared $0.26/share, payable Aug 28 to holders of record Aug 14; annualized yield 2.63% based on $39.54 close."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-26-007023","json":"https://secwatch.observer/filing/0001654954-26-007023.json","markdown":"https://secwatch.observer/filing/0001654954-26-007023.md","text":"https://secwatch.observer/filing/0001654954-26-007023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/740806/000165495426007023/0001654954-26-007023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/740806/000165495426007023/fmbm_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T18:29:47.409492+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"}