---
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"
generated_at: "2026-07-30T18:29:47.409492+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# F&M Bank Corp Q2 2026 net income $5.37M ($1.50 EPS) vs $2.97M year ago; dividend $0.26/share

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-26-007023
- JSON: https://secwatch.observer/filing/0001654954-26-007023.json
- Plain text: https://secwatch.observer/filing/0001654954-26-007023.txt

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