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October 6, 2015

October is National Cyper Security Awareness Month

We now live in a world that is more connected than ever before. The Internet touches almost all aspects of everyone’s daily life, whether we realize it or not. We connect with friends and family, conduct business and banking online and rely on many services, like transportation and electricity, that are supported with online systems.

National Cyber Security Awareness Month is designed to engage and educate public and private sector partners through events and initiatives with the goal of raising awareness about cybersecurity and increasing the resiliency of the nation in the event of a cyber incident. National Cyber Security Awareness Month takes place each October and is sponsored by the Department of Homeland Security.

Here are 7 Tips for Protecting Yourself Online.

August 25, 2015

Andrew Chelton Named New F&M Mortgage Lender

 Andrew Chelton Brentwood, Tenn. — F&M Bank has announced the addition of Andrew Chelton as a mortgage loan originator, operating out of the bank’s mortgage center at 10 Cadillac Dr., Suite 100 in Brentwood/Maryland Farms.

“As Davidson and Williamson Counties continue to enjoy a residential boom, we look to add qualified personnel to our staff.  Andrew‘s business development, marketing and sales experience add strength to our presence there.  We are pleased to have him on our staff,” stated Rodney Wilds, manager of the Brentwood mortgage office.

Andrew can be reached by calling (615) 400-2086, or by email at




July 31, 2015

F&M Plans new Hendersonville location 

Future Hendersonville BranchHENDERSONVILLE, Tenn. – Clarksville-based F&M Bank has announced plans to construct a new 10,000-square-foot facility at 221 Indian Lake Blvd. in Hendersonville.In September 2008, F&M Mortgage Services opened at 100 Bluegrass Commons Blvd., which was quickly followed in the spring of 2009 with the addition of banking services at the same location.

“From the beginning, our mortgage operation has been a major contributor to F&M’s success in Sumner County. This immediate success and subsequent growth of our combined services were indications that within a few years a larger facility would be needed,” said Sammy Stuard, F&M President and CEO, in a news release. “We saw value in the Indian Lake property and soon purchased a lot for future expansion. Now, that time is here and we are really excited about our new facility.”

The new branch will feature drive-up access, a 24-hour ATM, safe deposit box availability and an array of services currently not available in the limited space at the current location, bank officials said.

“There will be plenty of parking and accessibility will be much easier,” said Brad Edwards, vice-president and branch manager. “In addition, the new facility will enhance the bank’s ability to service the residential mortgage needs of the robust housing market in Sumner County.”

A groundbreaking is being planned for early October.


July 27, 2015

The ideal suitor: With new Nashville owner, F&M Braces for growth

Nashville Business Journal -- For F&M Bank, Nashville-area businessman Gaylon Lawrence Jr. presented the ideal suitor: Someone who could keep the bank intact and position it for future growth.

Lawrence, who also owns the parent company of Tennessee Bank & Trust in Franklin, entered a deal last week to take sole ownership of Clarksville’s F&M, the eighth-largest bank based in Middle Tennessee by assets. Terms were not disclosed.

“Basically, this is not a traditional merger where you will have 30 percent cost savings that leads to a loss of departments and people,” Sammy Stuard, F&M’s CEO, told me Monday. “[Lawrence] is a great operator of community banks. He’s a big believer in community banking and we really like his model. … He buys the bank and allows the management and employees to continue to run it.”... read full article here.

June 19, 2015

Rick Florita Named New F&M Mortgage Lender

 Rick Florita

Brentwood, Tenn. – F&M Bank has announced the addition of Rick Florita as a Mortgage Loan Originator, operating out of the bank’s Mortgage Center at 10 Cadillac Dr., Suite 100 in Brentwood/Maryland Farms.

“As Davidson and Williamson Counties continue to enjoy a residential boom, we look to add qualified personnel to our staff.  Rick has 11 years of mortgage services experienced and offers his clients a wealth of knowledge in the home financing process,” stated Rodney Wilds, manager of the Brentwood Office. 

Florita can be reached by calling (615) 400-1559 or by email at



April 30, 2015

Mary Beth Russell Named Branch Manager

 Mary Beth Russell

Clarksville, Tenn.—F&M Bank has named Mary Beth Russell assistant vice president, manager and lender of its St. Bethlehem banking office at 2601 Wilma Rudolph Blvd. in Clarksville.

“Mary Beth has eight years of banking and investment services experience with F&M and has been a real contributor to the bank’s growth in the St. Bethlehem market.  Her leadership skills will be a real asset as she directs the operation of this office,” stated Sammy Stuard, F&M Bank President and CEO.

In addition, she holds a Bachelor’s Degree from The University of Memphis, majoring in Marketing Management.  She may be reached by calling 931-905-7940 or by email at


April 27, 2015

Karen McMahon Named Branch Manager

 Karen McMahon

MURFREESBORO, Tenn. — F&M Bank has named Karen McMahon Assistant Vice President and Manager of its 802 Memorial Blvd. office in Murfreesboro. 

“Karen’s experience in financial service as both a loan specialist and personal banker, combined with her knowledge of the Rutherford County market, will be a real asset as we continue to grow F&M’s market share in Murfreesboro.  In addition, Karen studied Business Management at Middle Tennessee State University and has experience in managing a small business,” stated Sammy Stuard, F&M Bank President and CEO. 

Karen may be reached by calling 615-867-9728, by fax at 615-867-9738 or by email at


April 2, 2015

Stacy Vincent Named Commercial Lender of F&M Bank

 Stacy Vincent

Murfreesboro, Tenn.---F&M Bank has hired Stacy Vincent as a Vice President and Commercial Lender for its 802 Memorial Blvd. location in Murfreesboro, Tennessee.  “Stacy’s financial services experience and banking knowledge of the Rutherford County market will add strength to our presence there,” said Sammy Stuard, President and CEO of F&M Bank.

Stacy is a veteran banker with 20 years of financial services experience.  She holds a Bachelor’s Degree in Business Administration from Middle Tennessee State University and is a 2014 graduate of the Tennessee Banking Association’s School of Commercial Lending.  She can be reached by calling 615-545-3968 (C) 615-867-9728 (O), by fax at 615-867-9738, or by email at


March 3, 2015

Dalton and Edwards Named VP/Commercial Lenders at F&M Bank

Randy Dalton

Cookeville, Tenn.—F&M Bank has hired Randy Dalton as a Vice President and Commercial Lender for its new 900 N. Washington Avenue location in Cookeville, Tennessee.   “Randy’s financial services experience and banking knowledge of the Putnam County market will add strength to our presence there,” said Sammy Stuard, President and CEO of F&M Bank. 

Randy is a veteran banker with 24 years of financial services experience in Cookeville.  He holds a bachelors degree in Business Management from Tennessee Tech University and can be reached by calling 931-525-5632 or by email at


Brad Edwards

Hendersonville, Tenn. - F&M Bank has hired Brad Edwards as a vice president and commercial lender for its Hendersonville office located at 100 Bluegrass Commons, Suite 100.  “Brad’s long-standing banking experience in Sumner County and familiarity with the county’s business environment will be instrumental in F&M’s continued growth in the county,” remarked Sammy Stuard, President of CEO of F&M Bank.

Edwards is a graduate of Middle Tennessee State University.  He is active in several organizations in Gallatin, Goodlettsville and Hendersonville and is a graduate of the Leadership Sumner Program.  


February 4, 2015

THDA Announces Top Mortgage Lenders for 2014

A group of 10 lenders are responsible for more than half of the mortgage loans made for Tennessee Housing Development Agency buyers during 2014, and F&M Bank is one of them!  Read full article here.

January 15, 2015

We've Upgraded Online Bill Pay

Watch the video here!


December 18, 2014

Jackson New Senior Vice President at F&M Bank

Steve Jackson 

F&M Bank has hired Steve Jackson as senior vice president and manager of commercial sales, according to a news release from the bank. His office will be in Hendersonville.

“With Steve’s experience and proven track record as a commercial sales manager, I am confident he is an excellent match for this position,” said Sammy Stuard, president and CEO of F&M Bank.

Jackson is a veteran banker with 25 years of financial services experience. He holds a bachelor’s degree from the University of Tennessee in Knoxville and has his Certified Financial Planner certification from Florida State University.


November 3, 2014

 We've Upgraded Business Online Banking-Important Changes


Your browser is an important part of the overall security measures designed to protect your Internet banking transactions and activity.  Please review the updated system requirements below to make sure you are using the supported browser/system requirements.

Business Online Banking - Operating System

  • Microsoft Windows 8.1
  • Microsoft Windows 8
  • Microsoft Windows 7
  • Microsoft Windows Vista –Business
  • MAC OS

Business Online Banking - Browser

  • Apple Safari 5.0 on PC
  • Apple Safari 5.0 for MAC
  • Firefox 4.0 or higher
  • Google Chrome 9.0 or higher
  • Microsoft IE9, IE10, IE11*
  • Opera 10.0 or higher

NEW!  BUSINESS ONLINE features...based on your user authorization, you may now be able to....


The Home page (formerly the Overview page) allows you quick access to common functions. Your home page may include the following functions, depending on your access rights.

  • Favorite Accounts
  • Review Transfers
  • Alerts/Messages
  • Transfer Funds
  • Quick Launch


A Home Link has been added to the main menu bar to allow for quick navigation back to the Home page from any screen


The Favorite Accounts section has been updated to make it easier for you to select your favorite accounts and display them in the order you choose.

Current and Available balances will now be displayed in this section, along with the ability to see recent transactions for each account.


The transfer section provides a single location to quickly complete Internal and ACH transfers. Enhancements to this section include:

  • Issue ACH transfers.
  • Import ACH files with ACH Editor.
  • New error and confirmation message formats display in each section, indicating whether a transfer is successful, if a limit is exceeded, and more.
  • Launch ACH Editor
  • Templates display by Display Group name in drop-down lists.
  • New and optional fields such as Handling Instructions and Transaction Description can be defined.
  • Print options are available after a transfer is processed or file is imported.



The Review Transfers section located on the Home page has new features and views to make the review process easier than before.

The new Review and Issued tabs show two views for the transfers: transfers ready for review and transfers already issued.

You can now Approve or Disapprove transfers from this section by clicking on the appropriate option next to each pending transfer.


The following Account Information functionality will now be available on the same page instead of separate screens that were available using the prior Transaction Sub menu Link:

1. View account balances- Previous, Current, and Available Balances are displayed in the Balance Section of the Account Information Screen

2. View Balance History Information

3. Switch to another account to view account information

4. Conduct a transaction search

5. Search for a Specific Check by Check Number

6. View pending and past transactions on the selected account

7. View extended transaction history by clicking on the Transaction Archive link

 *Websites may need to be displayed in Compatibility View to function properly.

Please note that Microsoft Windows XP, and IE7 & IE8 are no longer supported for Online Banking.


October 22, 2014

Security Breach at Kmart

Statement from Kmart, "On Thursday, Oct. 9, 2014 our IT team detected that our Kmart store payment data system had been breached and immediately launched a full investigation working with a leading IT security firm. The security experts report that beginning in early September, the payment data systems at Kmart stores were purposely infected with a new form of malware (similar to a computer virus). This resulted in debit and credit card numbers being compromised."

For more information and full statement, click here.

October 16, 2014

F&M Bank keeps market share lead in Montgomery County

The Leaf Chronicle, CLARKSVILLE, Tenn. – F&M Bank has claimed the No. 1 spot in the county for the 11th consecutive year, according to 2014 market share of deposit statistics released recently by the Federal Deposit Insurance Corporation (FDIC).

The newly published report – based on deposits through June 30, 2014 – includes all 11 FDIC-insured financial institutions operating within Montgomery County. The report showed that F&M increased its percentage of the market’s deposits from 17.72 percent in 2013 to 18.15 percent in 2014, and increased overall deposits by nearly 4.5 percent, now exceeding $397 million in Montgomery County.

Sammy Stuard, president and CEO of F&M Bank, credits F&M Bank’s consistently strong market position to a combination of high-touch service blended with the bank’s commitment to provide financial services that customers want in Montgomery County and throughout Middle Tennessee.

“Our bank is constantly improving products and technology that our customers desire in today’s constantly changing financial services market,” stated Stuard. “Our bank is also focused on providing our customers with ‘extras’ – such as points, cash-back and merchant discount coupons – that can provide a boost for tight household budgets.”

“In addition to providing maximum value to our customers, F&M never loses sight that for someone to choose F&M over so many competitors – which includes other banks, credit unions and even retail supercenters – our bank’s high touch, personal service and community involvement is the ultimate difference maker,” claims Stuard, who served as 2008 chairman of the Tennessee Bankers Association.

“We exist to improve our community by supporting businesses and using local dollars to help families buy homes, send their kids to college and build financial security. It’s a responsibility we take seriously, and it shows with the way we embrace innovation and treat our customers.”

Find full article here.

September 12, 2014

Security Breach at Home Depot

Statement from Home Depot, "Last Tuesday, September 2, we disclosed that we were investigating a possible breach of our payment data systems. We want you to know that we have now confirmed that those systems have in fact been breached, which could potentially impact any customer that has used their payment card at our U.S. and Canadian stores, from April forward. We do not have any evidence that the breach has impacted stores in Mexico or customers who shopped online at"

For more information and full statement, click here.

June 12, 2014

Lankford Presented with Paul Harris Fellow Award

Lankford Receives Paul Harris Fellow Award

Congratulations to our own Jason Lankford, VP/Commercial Lender (Cookeville) who was recently recognized as Rotarian of the Year by the Cookeville Rotary.  Jason also received the Paul Harris Fellow Award, which is the top recognition for service and philanthropy by Rotary International.

May 29, 2014

Jones Selected to Lead F&M Mortgage in Murfreesboro

Jones-webMurfreesboro, Tenn. – F&M Bank has announced the hiring of Patrick Jones to lead its Mortgage Services office in Murfreesboro.  Patrick brings over ten years of mortgage services experience in the Rutherford, Davidson and Sumner County area.

"He offers his clients a wealth of knowledge in the home financing process.  We need more managers and originators like Patrick who have the knowledge to help us keep up with the home loan demand, and who can make the mortgage process extremely easy for our customers," stated Rodney Wilds, vice president of F&M's mortgage division in  Williamson, Davidson, Rutherford and Wilson counties.

Patrick can be reached by calling (615) 668-6838.  He will be headquartered at F&M's 1639 Medical Center Parkway office in Murfreesboro and may also be contacted by email at


May 5, 2014

F&M Bank Announces Seven Promotions

CLARKSVILLE, TENN. — F&M Bank has announced the following promotions of seven employees, according to Sammy Stuard, bank CEO and president.

“We are pleased to recognize these individuals for their hard work and dedication. Each has taken a leadership role in positioning F&M’s growth and success across middle Tennessee,” Stuard said in a news release.

Among them:

•  Jo Hughes, vice president and director of Security, has been promoted to senior vice president.

•  Shela Williams, vice president for Branch Administration and Marketing, has been promoted to senior vice president.

•  Sue Palmore, vice president for Loan Administration, has been promoted to to senior vice president.

•   Michael Jones, vice president and BSA officer, has been promoted to vice president and director of Internal Audit and BSA officer.

•  Sally Lee, assistant vice president and senior commercial loan processor/commercial lender, has been promoted to vice president.

•  Amanda Dean, mortgage compliance specialist, has been promoted to assistant vice president of the Mortgage Division.

•  Carrie Hendrick, accounts payable manager, has been promoted to assistant controller.

To view full article from The Leaf Chronicle, click here.