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.png) Farmers & Merchants Bank VA Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Farmers & Merchants Bank VA's 7-Month Special rates are at 3.80%, 12-Month rates are at 2.78%, 24-Month rates are at 2.78%, 9-Month rates are at 2.63%, 12-Month Penalty Free rates are at 2.52%. Farmers & Merchants Bank VA's savings rates are at 0.15%. Farmers & Merchants Bank VA's money market rates are at 2.55%. MonitorBankRates evaluates the financial stability of Farmers & Merchants Bank VA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.26%. Rates last updated and verified on 08/28/2026. Farmers & Merchants Bank VA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Farmers & Merchants Bank VA? Share your experience about Farmers & Merchants Bank VA by leaving a review below, or read customer reviews before you decide to use Farmers & Merchants Bank VA. 
Farmers & Merchants Bank VA CD Rates
Farmers & Merchants Bank VA Savings Rates
Farmers & Merchants Bank VA Money Market Rates
Farmers & Merchants Bank VA Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Farmers & Merchants Bank VA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Farmers & Merchants Bank VA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Farmers & Merchants Bank VA's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Farmers & Merchants Bank VA
Bank Holding Company
F&M BANK CORP
Address
165 New Market Rd,
Timberville, VA 22853 · Rockingham
Website
https://www.fmbankva.com
FDIC Certificate #
8668
Established
01/01/1908
FDIC Insurance Date
01/01/1934
Domestic Offices
15
Total Branches
15
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 97/100
5.0
Exceptional
Out of 5.0 Stars
5.26%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.2765%
Return on Equity (ROE)
4.9500%
Non-Performing Loans (NPL)
0.26%
Total Assets
$1,372,297,000
Total Deposits
$1,250,729,000
Equity Capital
$107,982,000
Net Income
$11,253,000
Headquarters
Timberville
Total Branches and Offices
15
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About Farmers & Merchants Bank VAHow many branches does Farmers & Merchants Bank VA operate?Farmers & Merchants Bank VA currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Farmers & Merchants Bank VA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Farmers & Merchants Bank VA provides members with tools to manage their accounts and build a solid financial history. Does Farmers & Merchants Bank VA offer online and mobile banking?Most modern institutions like Farmers & Merchants Bank VA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fmbankva.com. Current Farmers & Merchants Bank VA Rates
Retrieved from our database of financial products. Rates subject to change.
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