Letter from CEO

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Welcome to F&M’s website!

F&M was founded in 1897 and for 119 years F&M has proudly served the communities of Northwest Ohio and Northeast Indiana. F&M is looking forward not only to the future of the bank, but to the future of our communities as well. F&M has been a stable financial institution and we foresee continuing on the same successful path as we strategically plan for the future.

We are proud to offer Kasasa; a national brand of the most innovative checking products available today. Kasasa is a whole new way of banking.

No matter how you want to bank, F&M has a delivery channel that meets your needs. If you choose, you can do your banking online including opening accounts and applying for a loan. With the F&M Mobile App and FM eXpress you can access your accounts, check balances, transfer funds, or pay your bills from your smart phone.

If you prefer banking face to face, we have 23 convenient full service offices and 37 ATMs throughout Northwest Ohio and Northeast Indiana. By making it convenient to bank with F&M, we’re also making it easy to be “Your Bank for Life.”

F&M Bank is safe and secure. As a traditional community bank we did not cause any of the financial difficulties. In fact we have always had plenty of money to lend to qualified borrowers. We are always looking for more good loans, whether for individuals, businesses, or agriculture.

We do have FDIC insurance up to $250,000 per depositor and $250,000 for retirement accounts. If as a depositor these limits concern you we have available the CDARS program that will expand your FDIC coverage to $50 million.

F&M is a publicly traded company under the symbol FMAO on the OTC-QX. If you would like to see our files or just how strong we are go to Shareholder Information.

Paul S. Siebenmorgen

President & CEO