Letter from CEO

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Thanks for visiting our F&M website. No matter how you want to bank with F&M we hope you find delivery channels that meet your needs. Whether you want to open accounts, apply for a loan, check balances, transfer funds, or pay your bills, you can do that online through this website! You can access your accounts by telephone (EZ Access) at 888-446-2451, using your mobile device or face to face service at any of our 21 full service offices throughout Northwest Ohio and Northeast Indiana; 20 of which have drive-up windows so you can bank from your vehicle or use one of our 35 F&M ATM's. We are trying to make it convenient to bank with the F&M and make it easy for you to be smart with your money.

F&M Bank is safe and secure. We are a traditional community bank, dedicated to our shareholders, customers, employees, and local communities. 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.

To learn more about FDIC coverage you may click on their logo below. The F&M is a publicly traded company under the symbol FMAO. If you would like to see our SEC filings or just how strong we are, click Shareholder Information at the top of this page.

If you are a Facebook user, you can find us and "Like us" to stay current on what is going on at the F&M.

Paul S. Siebenmorgen

President & CEO