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About Us

F&M Bank is a dynamic regional bank located in Middle Tennessee and is one of the top independent banks, based on asset size, headquartered in Clarksville, Tennessee. F&M Bank operates full-service banking offices in Dickson, Montgomery, Putnam, Robertson, Rutherford, Sumner, Stewart, Williamson, and Wilson counties. Additionally, we operate mortgage loan offices in Brentwood, Nashville, and Murfreesboro, Tennessee.


Take time to browse through our website and learn about our array of financial products, services, and electronic conveniences. Whether you need Personal Banking Services, Business Banking Services or are looking for a Mortgage Loan. Whatever it takes to realize your financial goals and dreams, we are here to help you! Check out our blog for more financial tips and ways to take control of your finances. Contact us for complete contact information.

Our Commitment

We remain steadfast to the traditional financial principles that are responsible for our success.

We believe in providing a rewarding work environment and giving personal attention to each customer. We hope as a result that we will continue enhancing our market position as a premier community bank. Because F&M Bank is where decisions are made locally, and customers' dollars are reinvested back into the communities we serve.

The F&M Bank team works hard to provide you with SMART financial CHOICES that fit your business and money management style. Your Money. SMART CHOICE!

Our History

Founded in Bumpus Mills, Tenn., in 1906, the early history of Farmers & Merchants Bank gave little indication of the dynamic reputation it enjoys today. The 1930s saw over 10,000 U.S. banks close, but Farmers & Merchants survived in the small Stewart County community.

For the next 40 years, the bank stayed firmly rooted in this small community. Until in 1972, John R. Wallace became president and CEO. Wallace then began turning the small rural bank into a financial, civic, and community leader.

After moving into neighboring Dover, in 1988 the bank set sights on Clarksville as the most logical market for expansion. By 1989, Farmers & Merchants Bank opened for business in Montgomery County.

Growth was swift. The bank soon gained national recognition in Entrepreneur Magazine and The Wall Street Journal as a model of community banking. Expansion continued in Montgomery and into Robertson County as the bank opened offices in Clarksville, Springfield and Greenbrier. In 1997, the bank targeted Wilson County and opened its ninth office in Lebanon.

Becoming F&M Bank

In 1990, Sammy Stuard was named president and later assumed CEO duties, while Wallace maintained his role as chairman. Together they realized that to continue its aggressive growth, the bank needed a more modern, progressive identity. In 2003, the duo took the bold step to rebrand Farmers & Merchants as today’s F&M Bank. Consequently, this change successfully positioned F&M Bank for future growth and profitability as it has matured into one of Tennessee’s outstanding independently owned banks.

More expansion ensued with offices being established in Mt. Juliet (2006), Murfreesboro (2007), White House (2008), Hendersonville (2009), Cookeville (2009), a new headquarters facility in Clarksville (2007), Franklin (2019) and White Bluff (2019).
The president, CEO and board chairman of F&M Bank is William S. “Sammy” Stuard. F&M Bank was purchased by Gaylon Lawrence, Jr in 2015. 

F&M Bank has received local, state and national recognition for its community service and support.  In 2020, F&M Bank was recognized by the ABA Foundation Community Commitment Award for its OPERATIONS:  Partners Serve Program which provides a variety of critical resources and opportunities for members of the military community. 


Your Money. Smart Choice! Podcast

Get to know us better by listening to our exclusive banking podcast! We share updates, financial advice, banking tips, and more in bite-sized episodes. You’ll see that our business is about far more than just helping you with your bank account and financial plans. These episodes are about us connecting and sharing with our banking family throughout Middle Tennessee.

Episode Topics

Financial Literacy Update

F&M Bank is committed to providing the best multi-generational financial literacy solutions online and in person. Macy Mayfield joins us to talk about some enhancements to our educational offerings. We want everyone to have the information and the resources to make the best financial decisions. You can also hear the podcast by saying, “Alexa, play Your Money Smart Choice Podcast on Tune in.”

Visit our Online Education Center.

Community Partner Spotlight: The American Red Cross

F&M Bank is proud to support the American Red Cross. Pamela Holz, Executive Director of the Tennessee River Chapter of the Red Cross joins the podcast to talk about their new exhibit at the Customs House Museum, the history of this great organization, and the community support that ensures families in Middle Tennessee don’t face emergencies alone. You can also hear the podcast by saying, “Alexa, play Your Money Smart Choice Podcast on Tune in”

Turkeys for Troops

F&M Bank is honored to be a leader in supporting the Ft. Campbell community. Charlie Koon joins us on the Your Money Smart Choice Podcast to talk about an Award from the American Bankers Association and the 3rd Annual Turkeys for Troops!

Community Leader Spotlight with Derek Eurales Jr.

When Derek Eurales Jr. sees a piano he plays it! He is also an International Speaker, Bestselling Author, Veteran, Entrepreneur and Business Coach. F&M Bank loves shining the spotlight on leaders that make our community better for everyone. Listen to a great interview with one of your neighbors who agrees that it's YOUR MONEY. SMART CHOICE!

Financial Literacy Tips

April is Financial Literacy Month and although the Covid 19 has changed many lives and graduation plans, getting good advice on managing money when you are young is always relevant. Stacey Streetman, VP of Business Development joins us to share her knowledge and own experiences with those young adults attending and graduating from high school and college.

Banking in Dover!

Karen started in January of 1990! She has seen it all! She loves her customers and one of the many reasons why its Your Money, Smart Choice!

Banking in Mt. Juliet!

"People love people!" Jenny Harris and her team in Mt. Juliet want to be your bankers! Since starting its presence there in 2006, F&M Bank has grown to serve the personal, business, and mortgage needs of the Mt. Juliet community. Call, email or drop by to visit this great team with over 100 years of banking experience!

We Love Our Military Community

At F&M Bank we love our military community. We are always looking for ways to support our Armed Forces and their families. Tune in to hear Charlie Koon and Stacey Streetman talk about how F&M Bank loves and supports our military community!

Money Management Tips from Stacey

Stacey Streetman goes over important tips for graduating high school and college seniors to help them manage their personal finances. Tips include essentials like saving extra money, avoiding credit card debt, keeping an emergency fund, and more.

She also discusses how easy it is for student loans to add up, and how students can be careful. Finally, she encourages listeners to stop by their local F&M Bank to get help and find the answers they need.

Banking on Main Street in Franklin

Mary Lankford is the branch manager at the Franklin location for F&M Bank. She talks about her career, her love for her customers and the best banking team on Main Street!

Interview with President and CEO Sammy Stuard

Our CEO Sammy Stuard shares a company-wide recap for 2018. He shares important updates like expanding into Williamson county with our Franklin location. As well as sharing some of our goals for existing branches in Davidson County and throughout Middle Tennessee.

He also talks about the advantages of online banking and our continued commitment to providing personal services through our local branches.

Meet Our Team

We have multiple locations throughout Middle Tennessee, providing you with easy banking solutions. Don’t hesitate to contact us! Come join the F&M family.

Meet Our Team


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