F & M Bank Corp. · OTC:FMBM

F & M Bank — Shareholder Meeting (May 2026)

15 slides from F & M Bank's shareholder meeting presentation, May 15, 2026

1. Slide 1: Welcome, Shareholders!

   <q eno) F&M Bank Corp. Welcome, Shareholders!

2. Slide 2: Cautionary Note Regarding Forward-Looking Statements

   Cautionary Note Regarding Forward-Looking Statements Certain information in this presentation may include “forward-looking statements” as defined by federal securities laws, which are subject to significant risks and uncertainties. These include statements regarding future plans, strategies, results

3. Slide 3: Banking on the Future: A 100-Year History of Farmers & Merchants Bank

4. Slide 4: WHAT is a community bank?

   WHAT is a community bank? “Community banking is a special mix of people, products, and services. The recipe might go something like this: Start with an ample supply of friendly, knowledgeable employees. Add generous portions of competitive products, convenience, and advice. Stir in plenty of communi

5. Slide 5: 1908

   iicstnescccett and | 1908 al

6. Slide 6: Virginia Counties and Independent Cities

   Virginia Counties and Independent cities 2016 A. (©2016 get-drection com

7. Slide 7: Warrenton/Fauquier County Expansion

   Warrenton/Fauquier County Expansion i FAUQUIER Population 75,865 ahaa Annual Growth Rate 1.1% Unemployment Rate 2.9% Median HH Income $151,544 Median Home Sales Price $593,667 Total County Acres 413,440 Restricted to Ag 165,376

8. Slide 8: Diversified Business Model

   Diversified ‘nares Business Model Auto ©)

9. Slide 9: F&M Bank Corp. Stock Performance | January 2, 2025 - May 13, 2026

   F&M Bank Corp. Stock Performance | January 2, 2025 - May 13, 2026 $40 $20 Eootdee x = fe $15 ... 01/02/25 07/02/25 01/02/26 05/13/26

10. Slide 10: F&M Bank Corp. Shareholder Value Creation Percentage

    F&M Bank Corp. Shareholder Value Creation Percentage January 2, 2025 — May 13, 2026 *Year End 2025 43.5% ¢ Year to Date 2026 20.6% «January 2, 2025 - May 14, 2026 73.0%

11. Slide 11: F&M Bank Corp. Shareholder Value Creation Dollars

    F&M Bank Corp. Shareholder Value Creation Dollars January 2, 2025 — May 13, 2026 Increase - $51.6 million Total Value - $123.6 million

12. Slide 12: 2026 and Beyond — Continued Success

    2026 and Beyond — Continued Success ¢ Traditional Community Bank - The Recipe « Retain, Acquire, and Develop the Right People (Fit, Will, Skill) * GROW Culture * Invest in Technology (Classic 66 Mustang with Modern Tech) « Expand and Grow * Safety and Soundness

13. Slide 13: F&M Bank Chairman of the Board

    F&M Bank Chairman of the Board Mike Pugh

14. Slide 14: Chairman-Elect and Vice Chairman-Elect

    Chairman-Elect Vice Chairman-Elect Dean Withers Hannah Hutman

15. Slide 15: Ee Re: i Ye Se ) [<a

    Ee Re: i Ye Se ) [<a

F&M Bank — Shareholder Meeting (May 2026) on 6ix