- F&M Bank Corp. reported **net income of $2.9 million** or **$0.82 per share** for the third quarter of 2025, and **$8.3 million** or **$2.35 per share** for the nine months ended September 30, 2025, which is a **$3.3 million** or **$0.91 per share increase** over the same period in 2024.  **[740806_0001654954-25-012322_fmbm_ex991.htm:0]** 
- As of September 30, 2025, total assets reached **$1.36 billion**, total loans held for investment were **$872.3 million**, and total deposits stood at **$1.24 billion**, reflecting growth of **4.17%**, **3.90%**, and **3.30%** respectively since December 31, 2024.  **[740806_0001654954-25-012322_fmbm_ex991.htm:0]** 
- On October 24, 2025, the company issued **$10.0 million** in aggregate principal amount of **7.55% fixed to floating rate subordinated notes** due November 1, 2035, with proceeds intended to redeem existing subordinated debt and for general corporate purposes.  **[740806_0001654954-25-012322_fmbm_8k.htm:1]** 
- The Board of Directors declared a quarterly dividend of **$0.26 per share** on October 22, 2025, payable on November 28, 2025, to shareholders of record as of November 14, 2025.  **[740806_0001654954-25-012322_fmbm_ex991.htm:3]**

F&M BANK (FMBM)