Personal & Business Banking | F & M Community Bank

Your Home Mortgage Specialist

Have you checked your mortgage rate lately? Rates have dropped! Contact our knowledgeable lending staff today to see if you could benefit from refinancing.
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Your Business Banking Partner

F & M Community Bank proudly works with local businesses of all sizes. From deposit accounts to business loan solutions, you'll benefit from working with a business banking team that understands your needs.
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Manage Your Accounts On the Go

With F & M Community Bank's mobile banking services, you can do anything from managing your accounts to depositing checks using your device's camera.
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Full Service Insurance Agency

Our insurance solutions are offered through Root River Agency, Inc. You can choose insurance offerings for yourself, your business, your farm or your family.
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Investment Strategy to Meet Your Goals

F & M Community Bank's investment team will get to know you and understand your goals for investing your money.
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Online Banking

Manage your accounts at F & M Community Bank with a single login to gain access to our secure online banking system.

Debit Cards

Make transactions or withdraw cash using a debit card that is linked directly to your checking account.

Home Loans

Learn more about the benefits by working with a lender that works with you to understand your unique needs.

Business Loans

Find the loan solution to grow your business and improve operations so you can meet your customers' needs.

"It's always nice to have the knowledgeable and friendly staff greet us by name, instead of feeling just like another impersonal account number."

Rochester Family Eye Clinic

F & M Community Bank Customer

Our Dedicated Team

"I am grateful for the great service, professionalism and also for making each experience smooth & comfortable."

Allisa Jauert

F & M Community Bank Customer

Our Customer Promise