To contact F&M Bank

Main Office:

121 W. Pine Street

Lodi, CA 95240

Phone

1 (800) 888-1498

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Community Reinvestment

Community Reinvestment

    Summary

      The Community Reinvestment Act of 1977 encourages banks to help meet the credit needs of the communities in which they are chartered. While we fully commit to this initiative, to us at F&M Bank, community reinvestment is a whole lot more than just regulation. As a result of this commitment in 2013, the FDIC once again, awarded F&M the highest possible rating of "Outstanding" in their CRA Evaluation.

      We are a community bank through and through -- the local business owners and individuals who are customers, are also our friends, neighbors, shareholders, and employees. In helping people achieve their financial goals, as well as equipping local farms and businesses to succeed, we are strengthening the fabric of our community. In turn, giving back to our community means giving back to the people we know, care about, and serve on a daily basis.

      Investing in our communities is a cornerstone of who we are as a financial institution.

      Community Impact At a Glance

      Since 2010

      • 10,000 volunteer hours
      • Over 250 non-profits supported
      • $22 million in investments and donations
      • Over $72 million in community development loans

      Press Releases

      • Federal Home Loan Bank Awards F & M $350,000 in WISH Funding

      A Deeper Look At What We Do:

      Lending

      In response to our customers' unique needs, we offer a wide range of customized lending options and special financing programs. Our offerings are designed to accommodate where you are now in order to facilitate where you want to be. Since 2010, we've originated $527 million in small business, small farm, home mortgage, and community development loans.

      Our Responsive Loan Products Include:

      Consumer Loans

      • Home Affordable Refinance Program*
      • Home Affordable Modification Program*
      • New Horizons Personal Loan

      Small Business

      • SBA 7A and 504 Loans
      • CAL CAP Guarantees
      • Business Advantage Loans
      • Business Credit Card

      Small Farm

      • FFA/4H Student Project Loans
      • USDA FSA Loans

      Large Commercial

      • Multi-Family Affordable Housing Loans
      • Commercial Development Loans
      • Commercial Leasing

      *Products are available through Pinnacle Capital Mortgage Corp.

      Investments & Giving

      Local organizations and initiatives are really the heart and soul of the communities we serve. There are numerous non-profit organizations that do a tremendous amount of good and necessary work in our community. At F&M Bank, we are proud to provide financial support to organizations or projects that achieve a Community Reinvestment Act purpose.

      These purposes include:

      • Providing a service or affordable housing for or targeted to low- and moderate- income individuals or families
      • Supporting small business and farm creation, retention and expansion
      • Supporting revitalization and stabilization efforts in low- and moderate- income areas.

      In addition to donations, our associates raised $2 million on behalf of non-profits and in doing so, have touched 28,000 lives and provided over 176 units of affordable housing. To apply for a donation, please contact a team member at your closest branch!

      Our creative and innovative solutions include:

      Investments

      • Low Income Housing Tax Credits
      • Workforce Initiative for Home Ownership Subsidy ("WISH")
      • Affordable Housing Program Grants
      • AHEAD Grants

      Donations

      • CRA FFA/4H Grants
      • Scholarships

      Services

      For nearly 100 years we've served the banking needs of local businesses and citizens -- but our commitment hasn't stopped there. F & M Bank associates, senior management, and board members have also spent countless hours giving back to the community 10,000 hours to be exact!

      That's because to us, this isn't simply a market area, this is our home, and our associates are your friends and neighbors. When the community thrives, we all thrive. For that reason, the spirit of volunteerism is alive and well within every F&M Bank branch.

      Ways in which we give back time and effort to the community include:

      Financial Literacy

      F&M Bank is a proud member of the FDIC Money Smart Alliance. We are committed to providing the resources necessary to instill confidence in our customers when it comes to making financial decisions.

      Board Representation

      We're in the community, helping to make decisions for the community. Our associates are board members, treasurers, and finance or fundraising chairs for local non-profits.

      CRA Community Campaigns

      In collaboration with local officials, city leaders, customers and non-profits, F&M associates throughout Stanislaus County coalesced around a vital community need – a Boys and Girls Club. F&M employees donated countless service hours and dollars to this campaign--resulting in the creation of a new Boys and Girls Club of Stanislaus County.

      Branches

      Your time is precious. At F&M Bank, we strive to offer our customers and community convenience in every aspect of banking. Our branches and ATMs are conveniently located to serve our communities along with 24-hour mobile and online banking.