April 2, 2021
F&M Bank Launches Financial Literacy Program
F&M Bank is extremely excited to announce a multi-generational approach to financial literacy by adding a youth program to their online education offerings.
The F&M Financial Tools online resource page will now include a series of digital lessons designed specifically for 7th-12th grade students. The five digital lessons were created by EVERFI, our partner in financial education. Each mobile-friendly lesson covers important financial topics including savings, investing, income, debt and more. F&M Bank is the first financial institution in the state of Tennessee to offer this program.
“We are very excited to improve the Online Education Center on our website to attract middle and high school students. Due to changes in instructional methods, we felt the need to provide a virtual approach to assist in financial literacy. Our kickoff will be during the Tennessee Bankers Association’s annual Financial Literacy Week (April 5-10, 2021). In addition to the online resource, we have scheduled activities throughout the markets we serve. We are very excited to receive feedback from students.” said Macy Mayfield, F&M Bank Marketing Communication Specialist.
Visit our Online Education Center and start learning today!
March 5, 2021
Wings of Liberty Military Museum Model at F&M Bank Main Office
The Wings of Liberty Museum is the current project of the Fort Campbell Historical Foundation. You can view the model in the lobby of our Main Office at 50 Franklin Street - Downtown Clarksville.
"This museum represents and honors the legacy of service and sacrifice of every American who served in the divisions that call Fort Campbell home. Our dream for the visitors of the Wings of Liberty Museum is that they will leave with a deeper appreciation and renewed respect for what was given to them.
We hope that every visitor will leave with a renewed commitment to community, country and citizenship. As well as a deeper appreciation for the values that define the U.S. Army, the U.S. Military and ultimately–our country."
For more information, visit the Fort Campbell Historical Foundation website.
March 1, 2021
Cartner Joins F&M Bank
SPRINGFIELD, TN - F&M Bank recently announced the hiring of Albert Cartner as VP/Commercial Lender. Cartner will join the Robertson County team and be located at 3519 Tom Austin Hwy in Springfield.
“We are excited to add Albert’s expertise to our strong foundation in Robertson County. His enthusiasm for helping customers will be beneficial to our growing marketshare,” said Sammy Stuard, F&M Bank President/CEO.
With over 15 years banking experience, Cartner has a proven strength in building consumer and commercial banking relationships. He is a graduate of Murray State University and the Graduate School of Banking at Louisiana State University.
Cartner may be reached at 615-384-6228 or Albert.Cartner@myfmbank.com. NMLS #652453
February 18, 2021
F&M Bank Participates in the Welcome Home Program
Information for Homebuyers
The Federal Home Loan Bank of Cincinnati (FHLB Cincinnati) offers grants of up to $7,500 for honorably discharged
veterans, surviving spouses of military personnel, and active duty military homebuyers and up to $5,000 for all other
homebuyers to assist with down payment and closing costs for income eligible homebuyers through the Welcome Home
Program (WHP). Homebuyers must apply and qualify for a mortgage loan with an FHLB Cincinnati Member financial institutions to
utilize the grant. F&M Bank is a member.
Who are Eligible Homebuyers?
A homebuyer would be eligible for the Welcome Home grant if all of the following guidelines are met:
- The total income for all occupants who will reside in the home is at or below 80 percent of the Mortgage Revenue Bond
(MRB) limit for the county and state where the property is located;
- A fully executed (signed by buyer and seller) purchase contract on an eligible property is in hand;
- The homebuyer has at least $500 of their own funds to contribute towards down payment and/or closing costs; and,
- If a first-time homebuyer (typically anyone who has not owned a home in the last three years), a satisfactory homebuyer
counseling course is completed prior to the loan closing. Note: Applicants do not have to be first-time homebuyers.
What is an Eligible Property?
A property would be eligible if all of the following guidelines are met:
- The property will be the homebuyer’s primary residence;
- The property is a single family, townhome, condominium, duplex, multi-unit (up to four family units) or a qualified
manufactured home. (Manufactured homes may be eligible if they are taxed as real estate and affixed to a permanent
- The property is subject to a legally enforceable five-year retention mechanism, included in the Deed or as a Declaration
of Restrictive Covenants to the Deed, requiring the FHLB Cincinnati be given notice of any refinancing, sale,
foreclosure, deed in-lieu of foreclosure, or change in ownership during the five year retention period.
How Do I Apply?
For more program information, homebuyers should contact an F&M Mortgage Lender today!
Find an F&M Mortgage Lender
January 14, 2021
F&M Bank President/CEO Adds to the Locations Map
Clarksville, TN - F&M Bank recently announced plans to open its first full service banking facility in midtown Nashville. Pending regulatory approval, the branch will be located at 1701 West End and will be the bank’s nineteenth full-service facility located in middle Tennessee.
“Davidson County is a natural progression in the next phase of our strategic plan. Currently with banking and mortgage facilities surrounding the Nashville area, we have built a strong team of individuals providing quality financial service. As we continue to grow our market, expand products and service offerings and support local organizations, we look forward to welcoming customers to this facility.” said Sammy Stuard, F&M Bank President/CEO.
January 13, 2021
A New Look for MYFMBANK.COM!
We've given myfmbank.com a new design from top to bottom to ensure it is fully compatible however you like to connect with us. We have also added a few new features to ensure your experience is accessible and personal to you. Anytime. Anywhere.
Attention Online Banking Users: Your User ID, Password and Online Banking experience have not changed.
For questions or additional information, call 1.800.645.4199 or send us a secure email.
November 6, 2020
F&M Bank Hires Grady Payne
Murfreesboro, TN - F&M Bank recently announced the hiring of Grady Payne as Branch Manager/Lender for its Murfreesboro office.
“We are excited to add Grady to our F&M Bank team in Rutherford County. His extensive experience in building customer relationships and providing financial solutions will be essential as we broaden our footprint in Murfreesboro,” said Sammy Stuard, F&M Bank President/CEO.
Payne has previously held the position of a senior licensed financial service representative, in addition to several positions in retail store management. He is a graduate of Carson-Newman University with a Bachelors of Science degree in Business Management. Payne also serves as a volunteer basketball coach for the YMCA & Murfreesboro Rec League.
Payne is located at 802 Memorial Blvd, Murfreesboro, Tennessee. He may be contacted by email at Grady.Payne@myfmbank.com or by phone at 615-867-9728. NMLS #1400164
October 20, 2020
F&M Bank Honored with ABA Foundation Community Commitment Award - Recognized for Support of Military
Clarksville, TN – F&M Bank was nationally recognized by the American Bankers Association Foundation for its Operation: Partners Serve program with a 2020 ABA Foundation Community Commitment Award. The award was given to F&M Bank for its efforts in the supporting military families category and was presented during ABA’s Unconventional Convention on Oct. 20.
Entries were divided into seven categories including affordable housing, community and economic development, financial education, economic inclusion, protecting older Americans, supporting military families and volunteerism. Award winners were chosen by a field of nationally-recognized experts.
The selection committee chose the winning banks based on the creativity and thoughtfulness of programs — traditional or innovative in nature and structure — that embody the ideals of corporate social responsibility and demonstrate success in measurable terms.
“F&M Bank saw an opportunity to improve the lives of those in their communities and took action,” said Corey Carlisle, executive director, ABA Foundation. “The Operation: Partners Serve program made a meaningful difference on the Ft. Campbell, KY military base and throughout middle Tennessee. We hope their work serves as a blueprint for others throughout the industry.”
“We are always working to find new and innovative ways to positively impact the communities we serve,” said Sammy Stuard, Pres/CEO. “Through a variety of independent and collaborative programs, F&M Bank’s OPERATION: Partners Serve provides resources and opportunities for active duty and retired military and their families. OPERATION: Partners Serve initiatives include Brunch for the Brave, Campbell Combat Ceremonies, Spouses Tour of Downtown Clarksville, Run for the Wall, and Turkeys for Troops. We are humbled and honored to accept this award for our efforts.”
To learn more about the ABA Foundation Community Commitment Awards, visit aba.com/awards.
August 26, 2020
F&M Bank Adds Jamie Webb as VP/Commercial Lender
CLARKSVILLE, TN - F&M Bank recently announced the addition of Jamie Webb as VP/Commercial Lender.
Webb has over twenty years of experience the financial services industry most recently working with commercial lending and management, commercial real estate and business development. He is a graduate of Austin Peay State University and the TBA Southeastern School of Commercial Lending.
We are extremely pleased that Jamie has joined F&M Bank. He will be a tremendous addition to our commercial lending team.” said Sammy Stuard, F&M Bank Pres/CEO.
Webb is located at the F&M Bank Main Office in historic downtown Clarksville. He can be contacted by phone 931-245-4274 or via email at Jamie.Webb@myfmbank.com.
August 3, 2020
F&M Bank Hires Robert Fowler
GREENBRIER, TN - F&M Bank recently announced the hiring of Robert Fowler as AVP/Lender. Fowler will be working at the F&M Bank facility located at 2286 Hwy 41 S in Greenbrier, Tennessee.
“We are excited to add Robert to our F&M Bank team in Robertson County. As we continue to grow our market, expand products and service offerings, and support local organizations, his familiarity with the area will add valuable insight.” said Sammy Stuard, F&M Bank President/CEO.
Fowler has previously held positions as a consumer lender and a financial relationship specialist. His community service activities include president of the Springfield Kiwanis Club, treasurer of the Western Star Lodge, deacon at Springfield Baptist Church and an active member of the Robertson County Chamber of Commerce. He is a graduate of the University of TN.
Robert may be reached at 615-643-6122 or Robert.Fowler@myfmbank.com. NMLS #882847
July 29, 2020
F&M Bank Hires Justin Hays
HENDERSONVILLE, TN - F&M Bank recently announced the hiring of Justin Hays as VP/Commercial Lender. Hays will be working at the F&M Bank facility located at 221 Indian Lake Blvd in Hendersonville, Tennessee.
“Justin has an impressive resume of commercial lending and retail banking experience in Sumner County. We are excited to add his experience and enthusiasm to our growing market,” said Sammy Stuard, F&M Bank President/CEO.
With over 14 years banking experience in lending and sales management, Hays is a lifelong resident of Gallatin, TN. He is graduate of Vol State, a founding committee member for Leadership Gallatin and has served in various other community organizations.
You may reach Justin at 615-338-3842 or Justin.Hays@myfmbank.com. NMLS #611395
July 17, 2020
County's Chambers, Community Banks Join Forces to Encourage Shopping Local
(TennCommUNITY.jpg) LEBANON, TENN. – As many area businesses fight to survive the impact of continued coronavirus outbreaks, a new campaign uniting Wilson County’s chambers and community banks has hopes of boosting commerce and support for local merchants.
Beginning July 17, a campaign called TennCommUNITY is designed to help with recovery by strengthening businesses and the economy at the local level. Driven by a partnership among the Lebanon, Mt. Juliet and Watertown chambers and eight local community banks, the campaign will have an online base at tenncommunity.com. Its mission includes providing advertising and marketing efforts for local businesses, contributed by the network of partners.
“Our small businesses are the heartbeat of each city in Wilson County. As your Chamber, we are asking our communities to support their businesses – all day, every day. They have given us the quality of life that makes Wilson County such a wonderful place to live, work and play,” Lebanon Wilson County Chamber President Melanie Minter said. “Thank you to the community banks in their unified effort to make this initiative possible. We love and appreciate all local businesses in Wilson County. Together we will rise and be stronger than ever.”
The Mt Juliet Chamber is proud to support the TennCommUNITY initiative in support of local businesses. “These are extraordinarily challenging times for our businesses,” Mt. Juliet Chamber of Commerce President Mark Hinesley said. “As a community, we often ask our small businesses to support our volunteer and fundraising efforts. By shopping local, TennCommUNITY is a chance to show our support for all they have done for our communities. Now more than ever, please shop local!”
Watertown is also part of the movement. “Small businesses are so much more than just a place for goods and services, they are places where relationships are developed and friends are made. As Chamber President and a small business owner of a flower shop, I see people at their worse and best. Many times I feel like I need a degree in psychology to help, but my helping comes from the services I provide on a personal level. These relationships and bonds that we develop sustain small businesses. I receive referrals and repeat customers through these relationships. Without the support of their customers, small businesses would not exist,” Watertown Chamber of Commerce President Becky Dungy said. “Please share our enthusiasm as we kick off this initiative to keep the American spirit alive. Shopping local businesses is a way to support the lifestyle we all appreciate.”
The TennCommUNITY campaign will continue through the end of 2020. The local banks that have signed on as support partners are Bank of Tennessee, CedarStone Bank, F&M Bank, First Freedom Bank, Liberty State Bank, Pinnacle Financial Partners, Southern Bank of Tennessee and Wilson Bank & Trust.
June 26, 2020
F&M Investment Services Expand Franklin Team
F&M Investment Services recently announced the hiring of Leandro (Leo) Christiano Silva as a Raymond James Financial Services financial advisor in their F&M office in Franklin, Tennessee.
“We are excited to add Leo to our team. His expertise in wealth management and financial planning along with his diverse resume of experience in relationship building will be beneficial in our Franklin and Brentwood markets,” said Clark Nicholson, VP F&M Investment Services.
With an impressive record of awards and professional accomplishments, for over ten years, Silva also has been recognized as a CERTIFIED FINANCIAL PLANNER™ professional, a Chartered Financial Consultant, a Chartered Retirement Plan Specialist and holds both Series 7 & 66 and Life/Health Insurance licenses. In addition to his professional accomplishments, Silva is an alum of Middle Tennessee State University earning a BBA with finance major and Business Administration minor as well as a MBA with a concentration in finance. He was also a participant in the Williamson County Young Leaders Council.
Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC and are not insured by bank insurance, the FDIC or any government agency, are not deposits or obligations of the bank, are not guaranteed by the bank and are subject to risks, including the possible loss of principal. Investment advisory services are offered through Raymond James Financial Service Advisors, Inc. F&M Bank and F&M Investment Services are not registered broker/dealers and are independent of Raymond James Financial Services. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
June 11, 2020
2020 Census: Shape Your Future Today!
Every 10 years, the US Census Bureau undertakes a mammoth task: counting all the people residing in the United States. This count affects the allocation of funding for our community’s public resources (e.g., roads, hospitals, schools), how we plan for the future, and our voice in government. Learn more about the importance of the 2020 Census and how to participate: 2020census.gov.
April 3, 2020
F&M Bank Offers Paycheck Protection Program Package
We are ready to help our small business clients access the U.S. SBA Payment Protection Program as part of the CARES Act.
Please be patient as the SBA and the Department of Treasury work through the application process. As with all loans, there are certain criteria that must be met by the business, including documentation of expenses. F&M Bank is approved to offer loans through the Payment Protection Program and has lenders on hand on hand to work with you in securing the forms.
What to do with the completed package?
After completing the application and compiling all required documentation, you may drop off via your local drive thru or email to your local lender. If you do not have a local lender, please email the completed application and all required documentation to email@example.com.
We will continue to stay apprised of the program details so that we have the latest information as it develops.
Find additional information from the U.S. Department of the Treasury.
March 31, 2020
U.S. Government Passes Cares Act
The U.S. government recently passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act to help businesses, families, and individuals make ends meet during the coronavirus crisis. The bill allocated $350 billion specifically to assist small businesses, helping them maintain employees and giving them capital to keep things running. This Coronavirus Emergency Loans Small Business Guide and Checklist provided by the U.S. Chamber of Commerce, will help answer any questions you might have.
We are here to help you make the Smart Choice for your Small Business! If you have questions or want to request more information, contact your local lender.
March 25, 2020
F&M Bank Hires James Church
CLARKSVILLE - F&M Bank recently announced the hiring of James Church as VP/Commercial Lender. He will be working at the F&M Bank facility off Tiny Town Road.
“James adds a comprehensive skill set in lending and business banking. His expertise and enthusiastic approach to customer service will enhance our increasing focus on assisting area businesses.” said Sammy Stuard, F&M Bank President/CEO.
With an impressive record of awards and professional accomplishments, James has held several positions in financial services industry for more than 14 years. He has Mortgage Background, Consumer Banking and Business Banking, and owns a few businesses himself. He currently serves on an Advisory Board for APSU for Tennessee Small Business Development Center.
March 17, 2020
An Important Message From Our CEO Regarding COVID-19 Readiness
At F&M Bank, we are taking a number of proactive steps to ensure you have uninterrupted access to our banking services, while protecting the health and safety of our customers and our employees.
To that end, like many banks, we have activated our Pandemic Contingency Plan as a precautionary step in response to COVID-19. Our response teams across the bank are meeting regularly to ensure that we can continue to meet your financial needs.
We recognize the Pandemic represents a once in a lifetime event and not another version of a flu season. I can assure you that steps are being taken to help shield our employees, customers and their families, from the negative impacts of this national disaster. At this time, we are providing accommodations for some employees to work remotely, if the position allows. We are also providing regular assessments and outlets for employee input. We are reminding everyone that we are all in this together!
In addition to our employees, we are coordinating with our suppliers and vendors to make sure that your service remains unchanged even as we remain in touch with authorities like the CDC.
While not a comprehensive list, the Plan calls for:
- Increased cleaning and sanitization efforts at our locations while reinforcing healthy habits for our staff;
- Keeping our products and services fully available to you;
- Monitoring the financial markets and discussing options for customers to meet their changing financial needs;
- Modifying, postponing or cancelling large meetings; and
- Enhanced risk monitoring and management
Ways you can help:
- Stay up to date. For more information on this upper respiratory flu like illness, including actions you can personally take to help stop the spread of respiratory diseases, visit the Centers for Disease Control and Prevention (CDC).
- Access your account from home 24/7 via Online Banking and/or Mobile Banking. Not enrolled in Online Banking? Enroll today!
- Beware of scams and criminals using fear/intimidation, trickery, urgency or disinformation related to the coronavirus (COVID-19) to attempt to steal your sensitive, personal or account information. F&M Bank will never request such information through email/text/outbound calls. Always check your account statements for official websites and customer service numbers, and call those numbers directly rather than giving out information over the phone/email/text.
F&M Bank is committed to being a responsible partner in the communities we serve. Rest assured that we are taking every measure to limit the impact of COVID-19 on our operations while safeguarding employees and customers alike.
In addition to email communications, updates to any changes in branch hours of operation will be posted on our website and social media.
Be sure your contact information is up to date.
William S. Stuard, Jr.
President, CEO, COB
February 6, 2020
Tarrents Joins F&M Bank
CLARKSVILLE, TN - F&M Bank recently announced the addition of Jamie CLARKSVILLE, TN – F&M Bank has named local banker, Julie Tarrents, Vice President and lender for its Hilldale Office in Clarksville. Tarrents, a Clarksville native, has over twenty-five years of experience in providing banking services including commercial lending, treasury management services, business banking and consumer lending. She received a graduate banking degree from Louisiana State University and a Bachelor of Business Administration degree from Austin Peay State University. Tarrents is also a graduate of Leadership Clarksville and active member of the Downtown Clarksville Civitan.
“We are pleased to have Julie joining our F&M Bank team as she brings a strong background of customer service, community involvement and financial expertise” stated Sammy Stuard, President and CEO of F&M Bank. Tarrents can be reached by calling 931-551-4555 or by email at Julie.Tarrents@myfmbank.com.
January 13, 2020
Otto Named Mortgage Loan Originator
MURFREESBORO, TN – F&M Mortgage, a division of F&M Bank, announced the promotion of Jennifer Otto to Mortgage Loan Originator in the Murfreesboro Office. Jennifer has over 25 years of experience in the mortgage business serving in various supportive and administrative roles.
“Jennifer understands the value of hard work, dedication and leadership. She brings a wealth of knowledge, skills and exceptional customer service in her new role” said Rodney Wilds, SVP/Mortgage Manager. Otto may be reached by calling 615-904-3682 or by email at Jennifer.Otto@myfmbank.com.