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Safe and Secure Since 1916

F&M Bank has long been acknowledged as one of the SAFEST and most SECURE banks in the United States and has consistently received the
Highest Possible Rating
from each of the following nationally recognized bank rating firms.*
The Findley Reports rates F&M Bank
"Super Premier Performer"
BauerFinancial, Inc. rates F&M Bank
"Five-Star, Superior Bank"
TheStreet.com rates F&M Bank
"Excellent Financial Strength"
VERIBANC® rates F&M Bank
"Blue Ribbon Bank Commendation of Excellence"
*All ratings and the Blue Ribbon Commendation are for the quarter ending 12/31/09.
Please contact VERIBANC at 800-442-2657 to determine if this is the most recent rating.

Your Deposits are Safe and Secure at F&M Bank!

New Deposit Insurance Limits

Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and certain other retirement accounts which will remain at $250,000 per depositor. Visit the FDIC website to find out how FDIC deposit insurance works and estimate coverage on your deposits.

Beginning July 1, 2010 Farmers & Merchants Bank of Central California (F&M Bank) will no longer participate in the FDIC's Transaction Account Guarantee Program. Thus, after June 30, 2010, funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000 under the FDIC's general deposit insurance rules.