About F&M Bank About Us

About Us

William Stuard at Desk

William S. Stuard
President, CEO, COB

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 Tennessee. F&M Bank operates full-service banking offices in Dickson, Montgomery, Putnam, Robertson, Rutherford, Sumner, Stewart, Williamson and Wilson counties…in addition to Mortgage Loan offices in Brentwood, Nashville (Green Hills area) 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 Services, Business Services or are looking for a Mortgage Loan. Whatever it takes to realize your financial dreams, we are here to help you! For complete contact information, click here.

We remain steadfast to the traditional financial principles that are responsible for our success. By providing a rewarding work environment and personal attention to each customer, we will continue to enhance our market position as a premier community bank where decisions are made locally and customers' dollars are reinvested back into the communities we serve. F&M Bank works hard to provide you with SMART financial CHOICES that fit your way of doing business and the way you want to manage your money … “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. Although it survived the Great Depression of the 1930s – unlike nearly 10,000 other U.S. banks – the roots of Farmers & Merchants remained planted in the small Stewart County community.

In 1972, John R. Wallace became president and CEO, 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.

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 … a move that successfully positioned the 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) and Cookeville (2009) … and a new headquarters facility in Clarksville (2007).

F&M Bank is the only bank owned by F&M Financial Corporation, a Tennessee corporation. The president, CEO and chairman of F&M Bank is William S. “Sammy” Stuard.