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Financial Profile: F&M Bank

Originally founded in 1906 as Farmers and Merchants Bank, F&M has since been rebranded, expanded, and strengthened to gain a foothold in the banking community that has taken it to the top—and that distinction is one that has kept the bank dedicated to maintaining their quality of service and their products.

Over the past few years, in fact, F&M Bank has grown from being one of the smallest banks in the state to ranking among Tennessee’s largest state chartered banks, and the bank now spans across 7 counties to operate 16 full-service facilities and two mortgage-only loan offices with assets exceeding $1 billion. F&M has maintained the largest market share of deposits for the past 14 years in Montgomery County, and such notable growth is a testament to their commitment to customer service and their willingness to meet the needs of their clients, offering a variety of consumer and commercial checking and savings products, loan services, credit card, merchant services, and the guidance of a full-services mortgage division. In addition, F&M Bank offers investment services through Raymond James Financial Services, Inc., a financial institution whose track record speaks for itself.

Naturally, meeting the needs of their clients also means adapting to the many changes in the ways that people bank and the ways that they are so technologically driven. “We make it a priority to listen to our customer base, but we also face the daily challenge reacting to changes in technology,” says Fred Landiss, Sr. Vice President and Director of Marketing. “Our marketing now heavily involves digital social media as well as print, radio, and television.” “Our strategic plan emphasizes the need to continually seek opportunities for expansion in our present markets and explore opportunities in new markets, as well,” adds William S. “Sammy” Stuard, Jr., President, CEO, and Chairman of the Board at F&M. “To that end, we are adding a new full-service bank in Clarksville on Tiny Town Road, near Fort Campbell, which we felt was a wise addition to make to meet the growing financial needs of our active military customers and military retirees living in this area,” he continues. “At F&M Bank, we are strong advocates of community banking, and we remain committed to the communities we serve. Our customers appreciate the ability we have, as an independent bank, to provide local decision-making and quality customer service.”

And after years of enjoying a position at the top, with trusted reputation, they continue to meet the challenges of the changing market, knowing that investing in their clients and investing in their communities is one will see the greatest return in the future ahead.

To learn more about F&M Bank and their locations and services, visit

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