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 2022 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

  • Over 54,000 volunteer hours
  • More than 490 non-profits supported
  • Over $4.5 million in donations
  • Over $130 million in investments
  • More than $740 million in community development loans

A Deeper Look At What We Do

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In response to our customers' unique needs, we offer a wide range of customized lending options and special financing programs.

Our Responsive Loan Products Include:

Consumer Loans

  • 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

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.
  • To apply for a donation, please contact a team member at your closest branch!

Our creative and innovative solutions include:


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


  • CRA FFA/4H Grants
  • Scholarships


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

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

F&M Bank employees contribute to the effort by being a big part of the communities they serve. Our employees are board members, treasurers and finance or fundraising chairs for local non-profits.

CRA Community Campaigns

Annually, F&M Bank employees band together and spend countless service hours to support our local area through United Way. To support the mission and services in different counties of United Way, with fundraising and payroll pledges, our employees have spent over 8,300 hours and donated a record total of over $1.3 million1.

1 The United Way calculations reflect a combined aggregation since 2013 for counties in the Bay Area, Merced, San Joaquin, Stanislaus & California Capitol Region.


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.