F & M Bank Corp. · OTC:FMBM
F & M Bank — Shareholder Meeting (May 2025)
15 slides from F & M Bank's shareholder meeting presentation, May 16, 2025
Slide 1: Annual Meeting
Annual Meeting May 17, 2025
Slide 2: Cautionary Note Regarding Forward-Looking Statements
Cautionary Note Regarding Forward-Looking Statements Certain information in this discussion 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 (
Slide 3: Robert and Frances Plecker
Robert and Frances Plecker ROBERT E. PLECKER WORKFORCE CENTER ‘This facility was made possible through the generosity ‘of Robert and Frances Plecker, and a partnership between the Counties of Augusta, Highland, and Rockingham; the Cities of Harrisonburg, Staunton and Waynesboro; and the Commonwealth
Slide 4: Community Support
Community Support Deeds and Dollars > Augusta County Fair > Edinburg Old Time Festival » Augusta Health Foundation >Timberville Fire Department » Bergton Fair > Broadway Fire Department > Rockingham County Fair >Brid : Ri en > Shenandoah County Fair Sede ater veucos > Big Brothers Big Sisters » Wayn
Slide 5: Community Support
Community Support Deeds and Dollars Deeds Dollars Events & Sponsorships Philanthropy & Sponsorships 102 $203,687 F&M Bank Corp. | 2025 Annual Meeting
Slide 6: Community Lending 2024
Community Lending 2024 Loan Category New Loans 2024 New Loan Dollars Agriculture 187 $ 32,735,552 Commercial/Business 68 $ 38,689,744 Residential Mortgage 380 $112,862,550 Automobile 1926 $ 37,989,385 Consumer Other 487 $ 5,208,413 Total New Loans 2024 3,048 $227,485,644 F&M Bank Corp. | 2025 Annual
Slide 7: Community Lending YTD 2025
Community Lending YTD 2025 Agriculture 65 $ 14,540,050 Commercial/Business 21 $ 25,558,789 Residential Mortgage 114 $ 37,502,197 Automobile 436 $ 7,619,893 Consumer Other 152 $ 1,716,639 Total New Loans 2025 788 $ 86,934,568 F&M Bank Corp. | 2025 Annual Meeting
Slide 8: Net Interest Margin
Net Interest Margin 3.20% 3.15% 3.10% 3.00% 2.77% 2.70% 2023 2024 1 2025 F&M Bank Corp. | 2025 Annual Meeting
Slide 9: Net Income
Net Income (in thousands) $10,000 $9528 $9,000 *Annualized Net ‘ Income of $9,828 is $8,000 assuming the $7,285 ‘annualization of $7,000 $2,457 from the : first quarter of $6,000 2025. Results of $5,000 operations for the first three months $4,000 ‘ended March 31, 2025 are not $3,000 $2,771 necessar
Slide 10: Earnings Per Share
Earnings Per Share $3.00 *$2.80 is assuming the annualization of $.70 per share. Results of ‘operations for the first three months ended March 31, 2025 are not necessarily indicative of the results of ‘operations that ‘may be expected for the year ending December 31, 2025. $2.50 $2.00 $1.50 $1.00 $0
Slide 11: Book Value Per Share
Book Value Per Share $30.00 $29.00 $28.00 $27.00 $26.00 $25.00 $24.00 $23.00 $22.00 $21.00 $20.00 2023 2024 F&M Bank Cor, Qi 2025 | 2025 Annual Meet
Slide 12: Total Assets
Total Assets (in millions) $1,295 $1,302 2023 2024 1.2025 F&M Bank Corp. | 2025 Annual Meeting
Slide 13: Total Deposits
Total Deposits (in millions) $1,250 $1,195 $1,200 $1,133 2023 2024 Qi 2025 F&M Bank Corp. | 2025 Annual Mee’
Slide 14: Total Loans
Total Loans (in millions) $1,000 $750 $500 $250 s 2023 2024 Q1 2025 F&M Bank Corp. | 2025 Annual Meeti
Slide 15: Questions?
Questions? Thank you!