“Without the support and expertise of Crystal and everyone at F&M Bank, I wouldn’t have been able to purchase my business. They took the time to walk me through the loan process, answered my questions and most importantly treated me with respect. With their advice and guidance my business will continue to thrive and grow.”

“A good banker needs to know you and your needs to take the time to know a lot about your business in order to help you effectively. Jeff has always gone that extra mile to help us effectively utilize our bank. He has always taken the time to listen and to learn about us and our business and always has good suggestions about how we can effectively use our banking relationship. He’s a key part of our business growth”

“F&M Bank has been a great bank to work with. I like the fact that their decisions are made locally. They have always given me great rates and their bankers are friendly and professional. I look forward to working with F&M on future needs for my business!”

"Grateful cannot even begin to express what our community partnership with F&M Bank truly means. When partnerships work, we build better communities and F&M has been instrumental in helping to make Archbold a better community."

"Our family business has experienced amazing growth and success over the last few years, and that would not have been possible without our relationship with Doug Shaw at F&M Bank. Doug has given us many options to enhance how we operate, allowing us to navigate the economic environment. F&M has allowed our business the opportunity to have an even bigger positive impact on our customers, employees, and the community. We are very grateful to have a local bank that shares the same values that we do, and look forward to a bright future!"

"The look in the eyes of so many as they receive food can be overwhelming and makes me grateful for being able to share in those moments. Those moments are not possible without the support of organizations such as the F&M Bank."

“F&M Bank has been our bank of choice for personal finances since 1998. In April 2017, we moved all of our business banking to F&M. We have been extremely satisfied ever since."