F&M Bank News

MAY 15, 2019

Wilbanks Named Mortgage Loan Originator

Zach WilbanksCLARKSVILLE, TN – F&M Mortgage, a division of F&M Bank, has named Zach Wilbanks as a mortgage loan originator. In his new role, Zach will assist clients with a variety of mortgage lending solutions, while establishing new business relationships and strengthening his presence in the surrounding areas.

A graduate of Austin Peay State University College of Business, Wilbanks is a resident of Clarksville. “I am beyond ecstatic to be part of the F&M team. My commitment is to use my experience to always provide a high level of customer service, communication and professionalism when working with clients and business partners,” he said. Wilbanks can be reached at 931.905.7921 or via email at zachary.wilbanks@myfmbank.com. Additional information can also be found at zachwilbanks.com


April 11, 2019

F&M Bank Announces Officer Promotions

CLARKSVILLE - F&M Bank recently announced the promotion of several officers within its middle Tennessee locations.

Promoted to Senior Vice President:

Brian Maggart joined the bank in 2008 and serves as Manager and Mortgage Loan Originator in Hendersonville.

John Wallace, Jr joined the bank in 1998 and serves as Director of Credit Administration.

Rodney Wilds joined the bank in 2009 and serves as Manager and Mortgage Loan Originator in Brentwood.

Promoted to Vice President:

Rachel Henson joined the bank in 2008 and serves in the Corporate Marketing Department.

Patrick Jones joined the bank in 2014 and serves as a Mortgage Loan Originator in Murfreesboro.

Alice Lisenbee joined the bank in 1996 and serves as Branch Training and Development Manager.

Matt McWhirter joined the bank in 2012 and serves as a Mortgage Loan Originator in Clarksville.

Michelle Porter joined the bank in 2000 and serves as Assistant Operations Manager.

Scott Whelan joined the bank in 2009 and serves as a Mortgage Loan Originator in Brentwood.

Promoted to Assistant Vice President:

Jamie McAdaragh joined the bank in 2015 and serves as Branch Manager/Tiny Town.

Temple Bowen joined the bank in 2005 and serves as Operations Team Leader.

Dana Harbin joined the bank in 2011 and serves as Operations Team Leader.

Tammy Petty joined the bank in 2011 and serves as Consumer Loan Processing Manager.

Sherri Powell joined the bank in 2002 and serves as Branch Manager/Springfield.

Trey Vincent joined the bank in 2014 and serves as Security Assistant.

“While our customers will always be our No. 1 priority, a close second is making sure that we have the right people in the right place so our business grows strong and continues to be the hometown bank of choice in the communities we serve,” said Sammy Stuard, President/CEO.

March 1, 2019

F&M Bank Names Ashworth White Bluff Manager

Julie AshworthF&M Bank has named Julie Ashworth as Branch Manager of its White Bluff office effective March 1, 2019. Julie comes to F&M Bank with more than 10 years of experience in the financial services and community banking industry. She has been active in a variety of community organizations to include Habitat for Humanity, Feed the Bluff and United Way of Dickson County.

“I am excited about the opportunities that joining the F&M Bank team will provide. I look forward to working with Brett Reynolds, VP/Market Manager and the White Bluff staff to establish the F&M footprint in White Bluff and all Dickson County communities,” stated Ashworth. According to Sammy Stuard, President of F&M Bank, “We are pleased to be welcoming Julie to our family of employees as she brings her customer service skills and expertise to our new office.”




February 15, 2019

F&M Bank Names Reynolds to Lead Dickson County Market

Brett ReynoldsF&M Bank has named Brett Reynolds Vice President/Market Manager of the Dickson County market. F&M Bank established its presence in Dickson County by acquiring a full-service banking office located in White Bluff at 2011 Hwy 47 N. in late 2018. “We are excited about the growth potential in the White Bluff office and the Dickson County community. With more than ten years of banking and financial services experience, Brett is a natural choice to lead this endeavor” said Sammy Stuard, President/CEO of F&M Bank.

Active in the community, Brett serves on the HCA Tristar Horizon Board of Trustees, the Community Foundation of Dickson County Board of Directors and is a 2014 graduate of Leadership Middle Tennessee. He attended Middle Tennessee State University and the Southeastern School of Consumer and Commercial Lending. “My desire is to serve and enhance my community while building relationships. I look forward to expanding the F&M Bank brand in Dickson County.” Brett can be reached by calling 615-797-3153 or by email at brett.reynolds@myfmbank.com.


fEBRUARY 6, 2019

F&M Bank's Charlie Koon Recognized as a Champion of Ft. Campbell

Champions of Ft. CampbellFORT CAMPBELL, Ky. – (CLARKSVILLENOW) Three community leaders and supporters of Fort Campbell have received the honor of becoming a Champion of Fort Campbell. Charlie Koon, Donald Cochran, and Sandra Cochran make up the 2019 class.

The three were recognized in an induction ceremony Wednesday, Feb. 6 at McAuliffe Hall at Fort Campbell.

“I call them the catalysts of the community. They are the pillars that have been here historically,” Commander of the 101st Airborne Division (Air Assault), Major General Andrew Poppas, said of those honored. “They embrace our mission, they are just as important as the soldiers who execute it and understand exactly what we are being asked to do and they set the conditions for our success.”

Charlie Koon is Vice President of Military and Corporate Relations for F&M Bank, Sandra Cochran is President and CEO of Cracker Barrel Old Country Store Inc., and Don Cochran is a U.S. Attorney for the Middle District of Tennessee.  (Read Full Article)

february 1, 2019

F&M Bank Celebrates White Bluff Location with Ribbon Cutting Event

White Bluff Ribbon CuttingF&M Bank, headquartered in Clarksville, TN, celebrated its newest location in White Bluff, TN with a Dickson County Chamber of Commerce ribbon-cutting event and Open House reception on Friday, February 1, 2019.

The White Bluff location, formerly owned by First Farmers and Merchants Bank (Columbia) was purchased by F&M Bank in late 2018. “White Bluff and Dickson County are natural extensions of our strategic plan for growth and expansion in Middle Tennessee. The White Bluff branch has built and continues to grow a solid deposit and loan base and we look forward to offering our banking and mortgage products and services to the community. We are excited to welcome the White Bluff office and the Dickson County marketplace to the F&M Family,” said F&M Bank President/CEO Sammy Stuard.

 SEPTEMBER, 28, 2018

Barker Joins F&M Bank in Franklin

Michael BarkerF&M Bank has named Michael Barker vice president and lender for its new full service banking office in Franklin, Tennessee. Barker joins the leadership team lead by Mary Lankford, vice president/Williamson County market manager. Scheduled to open in mid-October, the new F&M Bank office will be located in the downtown historic district at 320 Main Street.

“Michael is a seasoned lending professional with strong leadership skills. He has an impressive record of working with both retail and commercial clients and we are fortunate to have him joining our Williamson County leadership team,” stated Sammy Stuard, President and CEO of F&M Bank.

An eighth generation Williamson County resident, Barker is involved in numerous community and civic organizations, including Friends of Franklin Parks, Next Generation Heritage Foundation, A Vintage Affair Foundation and the Lotz House Foundation. He can be reached by calling 615.512.5980 or by email at michael.barker@myfmbank.com.


SEPTEMBER 21, 2018

Lankford to Lead F&M Bank in Franklin

Mary LankfordF&M Bank has named local banker, Mary Lankford, Vice President and Market Manager for its Franklin/Williamson County market. “Mary is an experienced banking executive and we are extremely fortunate to have her leading our banking operation in Williamson County.” stated Sammy Stuard, President and CEO of F&M Bank.

F&M will be opening its new office at 320 Main Street, former home to Capital Bank, in Historic Downtown Franklin. Updates are being made to this location and its Grand Opening there is scheduled for Mid-October.

“Lankford brings over 30 years of experience in the financial services industry in management, marketing and sales, plus residential and commercial real estate lending, community involvement and public relations. She is a perfect fit for F&M as we continue our plan to increase market share in Middle Tennessee,” Stuard continued. She can be reached by calling (615) 308-1639 or at mary.lankford@myfmbank.com.


SEPTEMBER 21, 2018

F&M Bank Expands Footprint with Dickson County Purchase

“2018 is shaping up to be a banner year for F&M Bank,” according to Sammy Stuard, President and CEO of F&M Bank. We are pleased to announce that we have entered into an agreement with First Farmers and Merchants Bank in Columbia, Tennessee to purchase its branch located at 2011 Highway 47 North in White Bluff, Tennessee.

The 8000 sq. ft. facility is a full-service banking office offering both drive up and ATM service. White Bluff is the second largest city in Dickson County, one of the fastest growing counties in the State. The transaction is subject to regulatory approval and is expected to be finalized during the first quarter of 2019.

F&M Bank is a $1.1 billion community bank chartered in 1906. With the addition of the White Bluff branch, F&M will operate a total of 20 banking and mortgage offices in 10 Middle Tennessee counties, including Montgomery, Stewart, Robertson, Sumner, Wilson, Rutherford, Putnam, Davidson, Williamson and Dickson Counties.

“White Bluff and Dickson County are natural extensions of our strategic plan for growth and expansion in Middle Tennessee. The White Bluff branch has built and continues to grow a solid deposit and loan base and we look forward to offering our banking and mortgage services products there. We are excited to welcome the White Bluff office and the Dickson County marketplace to the F&M Family,” Stuard stated.

SEPTEMBER 20, 2018

F&M Names McAdaragh to Lead New Tiny Town Branch

Jamie McAdaraghF&M Bank has named Jamie McAdaragh Manager/Lender of its new full-service Tiny Town banking office located at 100 Profit Drive. The new branch is expected to open in Mid-October. Jamie has over ten years of banking and financial services experience. “Her experience, along with her understanding of the military community, make her a great choice to lead our banking operation there’” stated Sammy Stuard, President and CEO of F&M Bank.

Jamie is an Army Veteran and a recent graduate of Leadership Clarksville. She earned her Bachelors’ Degree in Management and MBA from the University of Phoenix. She is an active volunteer in the Clarksville community and serves on numerous committees to include Operation Stand Down Tennessee, the Two Rivers Company and Leadership Clarksville. She is co-author of a monthly industry newsletter titled “Bank Teller & CSR Report”. She can be reached by calling 931-263-6501 or by email at jamie.mcadaragh@myfmbank.com.



SEPTEMBER 14, 2018

Koon Receives Commander's Award for Public Service

Commander's Award - KoonThe United States Department of the Army recently recognized Charlie Koon, Director of Corporate and Military Development at F&M Bank, with its Commander’s Award for Public Service. Charlie was recognized for his invaluable selfless service organizing a Community Service Project improving the exterior and interior of the Fort Campbell Survivor Outreach Services (SOS) building, known as “The Farmhouse”.

The SOS Center embodies tranquility and beauty providing the best environment possible for the surviving families of our fallen heroes. The award was presented by Brigadier General Todd Royar who recognized Charlie with a certificate that thanks Charlie for his “tireless dedication and countless hours dedicated to organizing and leading this major volunteer effort has ensured that the SOS Center will be a place for comfort and care for surviving family members for years to come. We are honored that you graciously volunteered to make a world of difference to those that have given the most for our nation.”

The project started in early May with work on the exterior of the “The Farmhouse” to include new landscaping, patio furniture and even upgrading the playground area. Kim Wead, was instrumental in working with the Montgomery County Master Gardeners to develop a landscaping plan and then coordinated the volunteers during the landscaping phase of the project. Since then, volunteers have painted most of the interior (some exterior), replaced the carpet on the steps, changed multiple light fixtures (inside and outside) and did a complete renovation of the kitchen to include a new refrigerator, stove, microwave and upgraded lighting.

Having 12 Lowe’s stores contribute to this project along with F&M Bank, AJAX Distributing, the Clarksville Area Chamber of Commerce, the Christian County Chamber of Commerce, Montgomery County Master Gardeners, Gold Star Family Members, and many other community members has made the Survivor Outreach Services Project an incredible success.

Koon has worked tirelessly to generate donations and volunteers to work on the “Farmhouse” and to promote its services to our military community. “Over 200 volunteers have worked on this project and it doesn’t matter how big or how small your part was, your impact was great”, Koon stated.

SEPTEMBER 11, 2018

F&M Bank Names Golden Vice President

Sara GoldenF&M Bank has named Sara Golden Vice President and Assistant Branch Administrator for its Middle Tennessee Market. “Sara brings over thirteen years financial services experience to F&M including an impressive record of working in marketing, sales and business development. Her leadership and supervisory skills make her a valuable addition to our management team as we continue to grow our market share,” stated Sammy Stuard, President and CEO of F&M Bank.

Sara attended Arkansas State University. She and her husband, Wesley, have three children and reside in Clarksville. She can be reached by calling 931-906-0017 or by email at sara.golden@myfmbank.com.





September 10, 2018

F&M Bank Sponsors Field of Honor Tribute to Veterans

F&M Bank is a proud sponsor of the Field of Honor Tribute to Veterans...be sure to visit the patriotic flag display at Beachaven Vineyards & Winery (9/13-9/16) ...among those named are 89 family members of F&M Bank employees.  For more information about this 5 day event and the Field of Honor Tribute to Veterans visit the Welcome Home Veterans Celebration website.

September 4, 2018

Howard Bradley Joins F&M Bank

Howard BradleyHoward Bradley, former County Mayor of Robertson County, has been named Vice President for Business Development for F&M Bank in Springfield. “Howard’s leadership and financial skills combined with his knowledge of Robertson County make him a perfect fit as we continue to grow F&M’s market share in this area,” stated Sammy Stuard, President and CEO of F&M Bank.

“Serving as the County Mayor for the last 16 years has been an honor and working with the leadership of F&M Bank will be the same. Sammy Stuard and his team have provided me with the opportunity to continue to be involved in Robertson County’s growth and development. I have observed that F&M has a strong sense of community, partnering with local leaders on projects of historical preservation, redevelopment of downtown areas, corporate recruitment and the improvement of the quality of life for citizens living in its markets. I look forward to my new responsibilities with F&M Bank. It’s obvious that F&M believes in the future of Robertson County,” Bradley stated.

Bradley holds Bachelors and Master’s Degrees from Austin Peay State University and has served as an adjunct faculty member there and was an educator at Springfield High School for 26 years. He served as a member of the Robertson County Commission for 22 years prior to his election as Robertson County Mayor. He is the vice chair of the trustees for NorthCrest Medical Center, a Kiwanian and a member of First Presbyterian in Springfield. He is married to Stephanie Couts Bradley, and they reside in Springfield.

He can be reached by calling 615-566-3604 (cell) or 615-384-6228 (office) or by email at howard.bradley@myfmbank.com.

A Welcome Reception for Howard will be held at the F&M Bank in Springfield on September 13 from 4:30 until 6:00 pm. The public is invited to attend.

March 19, 2018

New Beneficial Ownership Requirements for Legal Entity Customers

Attention Business and Commercial Customers: Effective May 11, 2018, all banks will be subject to new rules under the Bank Secrecy Act imposed by the United States Department of Treasury. This new federal requirement will help law enforcement investigate involvement in terrorist financing, money laundering, tax evasion, corruption, fraud and other financial crimes. Read More

January 16, 2018

Retail Online Banking Upgrade

We strive to keep our banking tools up to date in order to offer flexibility and convenience to our customers. Effective January 16, 2018, you will have an updated version of our Personal Online Banking. You can expect a faster and easier online banking experience, with 24/7 real-time account information, a simplified sign-in process and much more!

What's New?

How often is my account information updated?

Account information is updated in real-time, offering you the most current information available.

Can I view transactions that are pending?

Yes, with Retail Online 5.1 you are able to view scheduled, pending and posted transactions. You have the ability to filter your list to display only certain types of transactions.

Will Retail Online 5.1 work with every device?

Yes, the responsive design will help ensure that all data clearly appears at virtually any screen size or resolution. The new design makes the webpage more Tablet and Mobile Friendly.

Can I have Alerts about my account activity sent to my cell phone?

You can set up Alerts that will be sent via text messages or emails (or both) to your cell phone. Note that you will need a Web-enabled phone and Internet service from your cell phone to receive email messages.

Which browsers should I use?

For best performance, we recommend you use one of the following qualified browsers:

While other browsers may work, these qualified browsers provide the highest level of security, accuracy, and functionality. We also recommend that you enable JavaScript in your browser. JavaScript is required for certain features to function properly.

Questions? Contact our Customer Service team.

October 10, 2017

F&M Tops Montgomery and Stewart County Market Share Rankings Again

CLARKSVILLE, Tenn. — During a 12-month period when Montgomery County’s total bank deposits jumped by $175.8 million, F&M Bank remained in the top position among FDIC-insured banks with a 19.01% market share. It is the 14th consecutive year that F&M has maintained its market-leading ranking.

The fact that seven of the 11 Montgomery County banks have 10% or more of deposit market share underscores the extraordinary competitiveness within the market.

The updated market share reports – recently posted on the FDIC website – are based on federally insured deposits of banks and thrifts through June 30, 2017.

Founded in Bumpus Mills in 1906, F&M Bank also retained its number one market share position in Stewart County with 49.72% of deposits. In Robertson County, F&M is in second position with 16.6% market share, behind The Farmer’s Bank’s 25.6%.

“Every day brings new competition for community banks,” commented Sammy Stuard, F&M Bank chairman, president and CEO. “F&M is fortunate to have banking offices positioned throughout the economically vibrant Middle Tennessee region. I am proud that F&M Bank – along with several other strong community banks – are more than holding our own when it comes to winning and keeping relationships with customers."

Stuard continued, “Consumers, home buyers and business owners have literally hundreds of financial service choices. Our F&M employees are diligent in sharing their banking knowledge, experience and personal commitment in each customer relationship, which is ultimately why our bank is among those who successfully compete in crowded markets.”

The following are June 30, 2017, FDIC deposit market share highlights from counties where F&M Bank has at least one office:
Montgomery County:

Stewart County:

Robertson County:

F&M Bank also has banking offices in Cookeville, Hendersonville, Lebanon, Murfreesboro, Mt. Juliet, and White House, which collectively had net deposit increases of $14.2 million over the past 12 months.

September 15, 2017

Koon Named Vice President at F&M Bank

Charlie KoonClarksville, Tenn.—Charlie Koon has been named Vice-President of Corporate and Military Business Development for F&M Bank. “Charlie’s strong back ground in workforce and business development will enhance F&M’s strength as it continues to expand its footprint across Tennessee,” stated Sammy Stuard, President and CEO of F&M Bank.

Koon’s primary responsibilities at F&M will be two fold, according to Stuard. “He will direct the bank's strategic initiatives for its expanding corporate business development program and he will serve as a business development liaison between F&M and the military community to include active duty soldiers, retirees and their families,” he continued.

Koon is recognized as a leader in the areas of business, economic development, government and public service. He is serving as the 2017-18 Chairman of the Clarksville Area Chamber of Commerce, was named the 2015 Middle Tennessee Workforce Services Employee of the Year by the Tennessee Department of Labor for his work on industrial projects that included Beretta USA, Dal-Tile and Hankook Tire and was named Clarksville’s “Citizen of the Year” in 2008.

In addition, Charlie is recognized for his work with local organizations, including Aspire Clarksville, Leadership Clarksville and Leadership Middle Tennessee. He currently serves as vice chairman of the Clarksville-Montgomery County Regional Airport Authority and has served on the boards of Cumberland Region Tomorrow, Mid-Cumberland Area Development Authority, National Association of Workforce Development Professionals, Association of the United States Army and the CMCSS Education Foundation.

Charlie will be headquartered at F&M’s Main Office at 50 Franklin Street in Clarksville and can be reached at calling 931-245-4158 or by email at charlie.koon@myfmbank.com. He is a 1992 graduate of Austin Peay State University. He has been married for 22 years to his wife Traci and they have one daughter, Lexi.

September 12, 2017

F&M Announces “FREE Ride Friday” for CTS

Bus WrapTo promote the launch of F&M Bank’s wrap on Clarksville Transit Systems newest bus, Sammy Stuard, bank president announced an added surprise. Additionally, F&M will sponsor a “Free Ride Friday” on its bus beginning Friday, September 15 through December 31, 2017. Each Friday, riders will enjoy a free ride to their destinations on the F&M wrapped bus, compliments of F&M Bank.

Arthur Bing, Transportation Director for the City of Clarksville, indicated that the F&M bus will be on alternate routes every Friday and F&M’s program will provide a diverse number of riders from across the City, Fort Campbell and Oak Grove to benefit from this sponsorship.

“The Clarksville Transit System’s buses provide a valuable service to this community and we are pleased to be a part of it,” stated Stuard. CTS launched its public transportation bus program in June, 1987 with six buses and now operates a total of 24 buses. Last year the number of riders exceeded 715,000 and this number is expected to increase in 2017.

September 8, 2017

ICBA Statement on Equifax Security Breach

Washington, D.C (Sept. 8, 2017)—Independent Community Bankers of America® (ICBA) President and CEO Camden R. Fine today issued the following statement on the Equifax security breach.

“ICBA and the nation’s community banks are deeply concerned about the compromise of millions of Americans’ personal information at Equifax and want consumers to be aware of ways to protect themselves and their personal financial information against identity theft and cybersecurity-related crimes. Community banks’ primary concern is to protect their customers from fraud. They will remain vigilant in guarding their customers’ financial assets. The community banking industry wants consumers to have as much information, education and resources as possible so they can protect themselves at this time.

“Consumers should carefully monitor their accounts and report any unusual activity to their community bank. The Federal Trade Commission also provides guidance on immediate steps consumers should take to repair identity theft.”

For additional, everyday tips on safeguarding your consumer data, click here.

About ICBA
The Independent Community Bankers of America®, the nation’s voice for more than 5,800 community banks of all sizes and charter types, is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education and high-quality products and services. For more information, visit ICBA’s website at www.icba.org

June 12, 2017

Ailing Pastor Terry honored with luncheon that puts 'Jesus' first

Pastor Terry ArticleThe Leaf Chronicle — CLARKSVILLE, Tenn. — In a small, intimate and low-key luncheon Monday, an informal collection of Clarksville business leaders sought to convey to the ailing Pastor Jimmy Terry a message of love and appreciation in the only way he would want it done:

By lifting up the name of Jesus.

And they did it in a big way for this longtime, beloved pastor of Clarksville's Tabernacle Missionary Baptist Church. Affixed to the front of F&M Bank on Public Square, the tallest building in downtown Clarksville, was a 40-feet-tall banner that read, simply, "Jesus," in huge letters.

Along the highway route as the Terry family traveled to the luncheon held on the top floor of F&M, people also stood at intervals holding up signs that read, "Jesus." They were taking a cue from what Terry has done for years ... promoting the Christian faith and the name of Jesus through signs big and small, wherever opportunities arose. Read the full article here.

May 15, 2017

F&M Bank Promotes Cathy Hulan

Cathy HulanClarksville, Tenn.—F&M Bank has announced the promotion of Cathy Hulan to Assistant Vice President/Branch Manager of its White House Office, according to Sammy Stuard, Bank President and CEO.

Cathy has worked at F&M for the last 11 years and her knowledge of this region is a real asset as we continue to grow F&M’s market share in Robertson and Sumner counties,” stated Stuard.

With assets exceeding $990 million, F&M operates 15 banking offices in Robertson, Sumner, Montgomery, Stewart, Wilson, Rutherford and Putnam counties. It also has Mortgage-only offices in Davidson and Williamson counties.


APRIL 12, 2017

F&M Bank Hosts THDA Meeting

Ralph Perry, executive director of the Tennessee Housing Development Agency, was guest speaker at F&M Bank’s Lunch & Learn on Friday.

Perry discussed affordable housing issues and programs with a group of local realtors, community leaders, pastors, F&M mortgage loan officers and housing representatives, said a news release.

The program, attended by about 70 guests, highlighted THDA’s Great Choice Program along with the $15,000 HHF-DPA (down-payment assistance) available to qualified buyers in Montgomery County.

Recipients can use these funds toward the down payment and closing costs of a home purchase. Guests were also treated to a luncheon sponsored by F&M Bank in The Franklin Room.

APRIL 3, 2017

It's Tax Time -- Beware of Scams

IRS.GOV - In recent years, thousands of people have lost millions of dollars and their personal information to tax scams and fake IRS communication. Scammers use the regular mail, telephone, fax or email to set up their victims. This page looks at the different scams affecting individuals, businesses, and tax professionals and what do if you if you spot a tax scam.

REMEMBER: The IRS doesn't initiate contact with taxpayers by email, text messages or social media channels to request personal or financial information. In addition, IRS does not threaten taxpayers with lawsuits, imprisonment or other enforcement action. Recognizing these telltale signs of a phishing or tax scam could save you from becoming a victim.

For full article, read Tax Scams/Consumer Alerts.

For information on Scam Phone Calls, click here.

MARCH 28, 2017

Jennifer Caldwell Named Manager and Lender at F&M

Jennifer CaldwellF&M Bank has named Jennifer Caldwell as an Assistant Vice President, Branch Manager and Lender for its new office in Hendersonville.

“Jennifer’s previous banking experience in strategic marketing planning and customer relationship development make her a perfect fit,” stated Brad Edwards, Vice President and Commercial Lender. “Her social media and product development skills are real assets as we continue to grow F&M’s market share in Sumner County,” he continued.

Jennifer is a graduate of Middle Tennessee State University. She is located at 221 Indian Lake Blvd and may be contacted by calling 615-338-3839 or by email at jennifer.caldwell@myfmbank.com.


February 3, 2017

Jarrod Duncan Named Commercial Lender at F&M

Jarrod DuncanF&M Bank has hired Jarrod Duncan as a Vice President and Commercial Lender for its 251 Dover Road location in Clarksville.

“Jarrod’s twelve years of banking and credit experience, combined with his familiarity with the region’s business environment, will be a real asset as we continue to grow F&M’s market share here,” stated Sammy Stuard, F&M President and CEO.

Duncan is a graduate of Austin Peay State University, with a BS degree in Business Administration. He received both Lending and Credit training through the Tennessee Bankers Association. In addition, he is a graduate of Leadership Clarksville.

He can be reached by calling (931) 801-3246, or by email at Jarrod.Duncan@myfmbank.com.


JANUARY 11, 2017

Inaugural Growth & Impact Awards honor Clarksville's best

F&M Growth and Impact AwardCLARKSVILLE — Five household names in Clarksville-Montgomery County business and economic development were honored Wednesday evening in the community's inaugural Growth & Impact Awards.

The five were Wyatt-Johnson Automotive Group; F&M Bank; Hand Family Cos.; Clarksville Academy; and Leadership, Enlightenment, Achievement and Perseverance (LEAP).

Ceremonies were held at the Austin Peay State University Governors Club in Fortera Stadium, hosted by, in addition to APSU and its College of Business, other founding partners of the awards program, including Montgomery County government, the Clarksville-Montgomery County Economic Development Council, the city of Clarksville and The Leaf-Chronicle. Read full article here.

 January 10, 2017

F&M Bank Opens New Office in Hendersonville

Hendersonville BankHENDERSONVILLE, Tenn. — F&M Bank has been providing financial services in Hendersonville since 2008. Beginning Jan. 17, the Middle Tennessee-rooted bank is taking an ambitious step forward in Sumner County by opening a new 10,000 sq. ft. office in the heart of Hendersonville’s Indian Lake commercial district.

The spacious new facility, located at 221 Indian Lake Blvd., replaces the bank’s former quarters at 100 Bluegrass Commons. The new office will accommodate F&M’s growing banking and mortgage staff and will provide customers with a dedicated mortgage services entrance. Additional features include multiple drive-up lanes, ATM, ample parking, lock boxes and an appealing environment for face-to-face banking. F&M Investment Services, securities offered through Raymond James Financial Services, Inc., will be a new addition as well.

Hendersonville Mortgage“We are excited to be a part of Hendersonville’s impressive growth and pleased F&M Bank is able to increase our commitment to customers in Sumner County,” stated Sammy Stuard, F&M chairman, president and CEO. “We have been planning this new office for quite some time, and realize how fortunate we are to have such a prime location in this rapidly developing area.”

The new office is headed by two bankers who have been with F&M since its entry into Sumner County. Brad Edwards is vice president and branch manager and Brian Maggart is vice president and mortgage manager.

“I think our customers will appreciate both the location and appeal of this new building,” stated Edwards. “We are looking forward to providing expanded financial services options with the same high-touch personal attention our customers know and trust. We also look forward to welcoming new customers to F&M Bank.”

F&M Bank provides a full lineup of Personal, Business and Mortgage Services, supported with a strong commitment to online and mobile banking options for customers.

DECEMBER 21, 2016

Jim Gibbs Joins F&M Bank as Financial Advisor

Jim GibbsJim Gibbs has joined F&M Investments as a financial advisor with Raymond James Financial Services at F&M Bank.

“Jim’s investment and financial services experience, combined with his knowledge of the Sumner County market will be a real asset as we continue to grow F&M’s market share in Hendersonville,” stated Sammy Stuard, F&M Bank President and CEO.

His training and experience is in the areas of financial and retirement planning.

He may be reached by calling 615-330-5433, by fax at 615-672-9370 or by email at jim.gibbs@raymondjames.com. Although he is currently located at the F&M Bank at 518 Highway 76, White House, TN 37188, he will relocate in mid January to F&M’s new banking facility at 221 Indian Lake Blvd. in Hendersonville.

Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, and are not insured by bank insurance, the FDIC or any other 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.

December 18, 2016

GROWTH & IMPACT: F&M Bank leads in economic impact

THE LEAF CHRONICLE -- The winner in the category of Economic Impact, in the first Clarksville-Montgomery County Growth & Impact Awards, is locally headquartered F&M Bank.

Since claiming Clarksville as its home in 1989, its ever-expanding scope, reach and impact have established F&M Bank as a major driver of Montgomery County's remarkable economic expansion.

F&M "has provided financial resources and visionary leadership that have created opportunities for individuals, families and businesses to succeed, thereby elevating Clarksville-Montgomery County's reputation as being among the fastest-growing and economically vibrant communities in the Southeast," said the bank's entry summary for the awards program.  Read the full article here. 

OCTOBER 6, 2016

F&M Bank Continues Deposit Lead in Montgomery and Stewart Counties

CLARKSVILLE, Tenn. — For the 13th consecutive year, F&M Bank holds the top position in Montgomery County’s market share of deposits, according to the FDIC annual summary of insured deposits published last Friday (Sept. 30). F&M also retained its top position in Stewart County, a ranking it achieved in 2015.

Annual market share reports are based on FDIC-insured deposits of banks and thrifts through June 30, and includes 11 financial institutions in Montgomery County and three in Stewart County.

In Montgomery County over the previous 12 months:

In Stewart County over the previous 12 months:

“F&M Bank is fortunate to be located in one of our nation’s most rapidly expanding economies,” stated Sammy Stuard, chairman, president and CEO of F&M Bank. “The robust Middle Tennessee economic growth is attracting an influx of new banks into the region. However, thanks to our dedicated team of managers and staff, along with our many loyal customers, F&M continues to achieve profitable growth.”

SEPTEMBER 22, 2016

Tracy Woodside Named New F&M Mortgage Originator

Hendersonville, Tenn. – F&M Bank has announced the addition of Tracy Woodside as a mortgage loan originator, headquartered in the bank’s mortgage center in Hendersonville located at 100 Bluegrass Commons Blvd, Suite 100.

“Hendersonville and the Sumner and Davidson County markets continue to enjoy a residential boom. Tracy’s experience and leadership skills will be of great benefit as we expand our presence there. We are extremely pleased to have Tracy on the F&M Mortgage team,” stated Brian Maggart, F&M Mortgage Manager.

Tracy can be reached by calling (615) 319-7480 or by email at tracy.woodside@myfmbank.com.

August 16, 2016

F&M Announces CardValet® Program

Clarksville, Tennessee — F&M Bank is pleased to announce the rollout of its new CardValet® program for cardholders who want to manage their debit card through their mobile devices. With the new F&M CardValet Mobile App, customers can control card spending on the go.

It is simple, download CardValet from Google Play™ or the App Store® and immediately begin enjoying these features:

“F&M debit cardholders can now monitor their finances from anywhere, anytime with our new CardValet Mobile App. In addition, with the transaction controls feature, another layer of fraud protection is an added safeguard,” stated Sammy Stuard, bank president and CEO.

CardValet is a registered trademark of Fiserv, Inc. or its affiliates.

Learn more about CardValet.

AUGUST 8, 2016

Disaster Reconstruction Program

F&M Bank as a member of the Federal Home Loan Bank [FHLB] of Cincinnati can assist residents of the following TN counties included in TEMA Declared Disaster areas based severe weather and flooding between July 6-8, 2016. Grants of up to $20,000 are available to homeowners in declared disaster areas, and renters can qualify for $5,000 toward the purchase of a home. TN counties include Stewart, Sumner, Robertson, Benton, Henry, Houston, Davidson, Macon, Montgomery, Trousdale and Wilson. In Stewart county, representatives are on site until 6 p.m through Thursday, 8/12. More information is available on the FHLB website

August 1, 2016

F&M Bank Offers THDA's "Take Credit" Mortgage Program

CLARKSVILLE, Tenn. — F&M Bank was the first Mortgage lender in Tennessee approved to offer the Tennessee Housing Development Agency’s (THDA) “Take Credit” program. Take Credit is a Mortgage Credit Certificate (MCC) program authorized by Congress in the 1984 Tax Reform Act.

A MCC is a not loan, it is applied for with a mortgage and permits eligible homebuyers to take a federal tax credit up to $2,000 maximum per year based on the mortgage interest paid by the homebuyer. The tax credit may be used to lower a homebuyer’s income tax liability each year the home remains owner occupied by the certificate holder (the homebuyer) ... it can amount up to $60,000 in savings over 30 years. The tax credit can be used with a VA, Conventional or FHA loan.

If you are a first time homebuyer, a military veteran or a repeat buyer buying a home in certain targeted areas, you may be eligible. “For a limited time, F&M Bank is waiving the $150 application fee as well as all processing costs,” according to Denise Alexander, Sr. Vice President and Mortgage Operations Manager.

For more information, click here.  F&M Mortgage Loan Originators are also available to assist you with the application process. For assistance, call 615-372-7734 in Davidson County, 615-372-7721 in Williamson County, 931-906-0005 in Montgomery and Stewart Counties, 615-496-8841 in Wilson County, 615-848-7900 in Rutherford County, 615-496-8841 in Putnam County and 615-824-2316 in Robertson and Sumner Counties.

JULY 22, 2016

Local Art Freshens F&M Bank's Interior

Stewart County native Beverly Parker captures scenes around county to augment redecorating at Dover branch. As a photographer, Beverly Parker thrives on capturing special moments and bringing a different perspective to commonplace. Those elements came together for the Stewart County native in her collection of photographs for F&M Bank’s Dover branch. Full Article

JUNE 29, 2016

F&M and Hargis Voted Favorites in Stewart County

DOVER, Tenn. — F&M Bank in Dover recently received three Readers Choice Awards from the Stewart Houston Times.
The bank was voted Favorite Bank and its vice president, Albert Hargis, was voted Favorite Banker and Favorite Mortgage Provider.
Hargis was humbled by the recognition and eager to share the spotlight... Continue Reading

may 31, 2016

7 Tips to Avoid Online Fraud

Every year, millions of consumers fall victim to cybercrime. According to the FBI’s Internet Crime Complaint Center, in 2014, consumers lost more than $800 million from scams initiated through the web. In recognition of Internet Safety Month in June, here are seven tips to help consumers protect themselves from online fraud.

May 10, 2016

F&M Bank Announces Officer Promotions

F&M Bank has promoted 20 employees within its officer ranks, according to Sammy Stuard, president/CEO and chairman.

“Dedication, expertise and commitment from our talented team members is evident to F&M customers whenever they have contact with our bank personnel,” Stuard said in a news release. “Our bank has continued to flourish due to diligence of our people and the strong customer relationships they foster. It is in recognition of exceptional service that these promotions are made.”

The following received promotions to senior vice president:

Khandra Smalley (Clarksville), from vice president/marketing research.

Pamela Settle-Kelley (Clarksville), from vice president/operations manager.

Donna Lancaster (Clarksville), also named director of internal audit/compliance, from vice president/director of regulatory compliance.

The following have been promoted to vice president:

Kathy Harris (Greenbrier), from assistant vice president/branch manager/lender.

Jason Hass (Clarksville), from mortgage loan originator.

Rod Hawkins (Clarksville), from mortgage loan originator.

Rose McCroy (Springfield), from assistant vice president/lender.

Tina Reed (Clarksville), from assistant vice president/human resources.

Rhonda McKinney (Clarksville), from assistant vice president/collateral services.

Craig Sanders (Hendersonville), from mortgage loan originator.

Sarah Schneider (Clarksville), named vice president/loan administration training, from assistant vice president/loan administration.

Mike Smalling (Brentwood), from mortgage loan originator.

Billy Winfree (Green Hills), from mortgage loan originator.

Chad Winn (Clarksville), from mortgage loan originator.

Suzanne Woods (Cookeville), from assistant vice president/branch manager/lender

Named to the position of assistant vice president are the following:

Tina Augustine (Clarksville), promoted to assistant vice president/branch administration training, from customer service representative.

Carrie Hendricks (Clarksville), from assistant controller.

Rachel Henson (Clarksville), from marketing assistant.

Alice Lisenbee (Clarksville), promoted to assistant vice president/branch administration training, from branch administration training.

Michelle Porter (Clarksville), from operations team leader.

April 29, 2016

Incidents of Ransomware on the Rise : Protect yourself and your organization

Federal Bureau of Investigation - Hospitals, school districts, state and local governments, law enforcement agencies, small businesses, large businesses—these are just some of the entities impacted recently by ransomware, an insidious type of malware that encrypts, or locks, valuable digital files and demands a ransom to release them.

The inability to access the important data these kinds of organizations keep can be catastrophic in terms of the loss of sensitive or proprietary information, the disruption to regular operations, financial losses incurred to restore systems and files, and the potential harm to an organization’s reputation.

And, of course, home computers are just as susceptible to ransomware, and the loss of access to personal and often irreplaceable items—including family photos, videos, and other data—can be devastating for individuals as well.  Read the rest of the FBI's article on ransomware. 

March 25, 2016

F&M Names Bell and Andrews to Bank Board

Steve Bell
Steve Bell
Dan Andrews
Dan Andrews

Steve Bell and Dan Andrews, Jr. have been named to the F&M Bank Board of Directors, according to Sammy Stuard, President and CEO.

“Steve and Dan bring a wealth of banking experience and knowledge to F&M and their combined knowledge of the Tennessee marketplace will contribute greatly as we seek new opportunities for growth across Tennessee,” commented Stuard.

Steve began his banking career 1973 with Piggott State Bank in Piggott, Arkansas. In 1993, he was named a vice president in Farmers Bank and Trust in Blytheville, Arkansas and in 1998 was named President and COO there. In 2003 he moved to Franklin, Tennessee to begin the start-up operations for Tennessee Bank & Trust. In 2006, he was named Chairman and CEO of the parent company there.

He attended Arkansas State University and is a graduate of the Banking School of the South at Louisiana State University. He has served on the Williamson County Library Foundation Board and is a 2006 graduate of Leadership Franklin.

Dan’s banking career began in 1979 with Nashville City Bank and later joined Commerce Union Bank where he was named a Vice President and Commercial Lender for their Middle Market Lending area. In 1988, AmSouth named him to its new Corporate Loan Office and later named him Head of Commercial Lending there. In 2005, he was named Executive Vice President of Tennessee Bank & Trust and named President of the Tennessee Market in 2006.

Additionally, he serves on the Board of Directors of Tennessee Bank & Trust’s parent company, Farmers Bank & Trust in Blytheville, Arkansas. He holds a bachelor’s degree in economics from Vanderbilt University in Nashville and is a graduate from the Stonier School of Banking at the University of Pennsylvania.



 March 16, 2016

F&M Bank Holds Ground Breaking for New Location in Hendersonville

Hendersonville Ground BreakingHendersonville Mayor Scott Foster joined Sammy Stuard, F&M Bank President and CEO, for the official ground breaking ceremony for its new bank in Hendersonville Tennessee.

Located at 221 Indian Lake Boulevard, the new 10,000 square foot facility will house the both F&M’s banking and mortgage divisions. Construction should take eight months and will replace its 100 Blue Grass Commons office.

“In September, 2008, we opened our F&M Mortgage Services office at 100 Blue Grass Commons Boulevard. From the beginning, it has been a major contributor to F&M’s success and it was quickly followed in the Spring of 2009 with the addition of banking services,” said stated Sammy Stuard, F&M President and CEO.  Read Full Article


March 4, 2016

IRS and US-CERT Caution Users: Prepare for Heightened Phishing Risk This Tax Season

US-CERT and the IRS cautions users to remain aware of phishing attempts to obtain sensitive data, credentials, and payment information.


Throughout the year, scam artists pose as legitimate entities—such as the Internal Revenue Service (IRS), other government agencies, and financial institutions—in an attempt to defraud taxpayers. They employ sophisticated phishing campaigns to lure users to malicious sites or entice them to activate malware in infected email attachments. To protect sensitive data, credentials, and payment information, US-CERT and the IRS recommend taxpayers prepare for heightened risk this tax season and remain vigilant year-round.

Remain alert

Phishing attacks use email or malicious websites to solicit personal information by posing as a trustworthy organization. In many successful incidents, recipients are fooled into believing the phishing communication is from someone they trust. An actor may take advantage of knowledge gained from research and earlier attempts to masquerade as a legitimate source, including the look and feel of authentic communications. These targeted messages can trick any user into taking action that may compromise enterprise security.

Spot common elements of the phishing lifecycle

  1. A Lure: enticing email content.
  2. A Hook: an email-based exploit.
    • Email with embedded malicious content that is executed as a side effect of opening the email
    • Email with malicious attachments that are activated as a side effect of opening an attachment
    • Email with “clickable” URLs: the body of the email includes a link, which displays as a recognized, legitimate website, though the actual URL redirects the user to malicious content
  3. A Catch: a transaction conducted by an actor following a successful attempt.
    • Unexplainable charges
    • Unexplainable password changes

Understand how the IRS communicates electronically with taxpayers

Take action to avoid becoming a victim

If you believe you might have revealed sensitive information about your organization or access credentials, report it to the appropriate contacts within the organization, including network administrators. They can be alert for any suspicious or unusual activity.

Watch for any unexplainable charges to your financial accounts. If you believe your accounts may be compromised, contact your financial institution immediately and close those accounts.

If you believe you might have revealed sensitive account information, immediately change the passwords you might have revealed. If you used the same password for multiple accounts, make sure to change the password for each account and do not use that password in the future.

Report suspicious phishing communications

If you are a victim of any of the above scams involving IRS impersonation, please report to phishing@irs.gov, file a report with the Treasury Inspector General for Tax Administration (TIGTA), the Federal Trade Commission (FTC), and the police.

March 1, 2016

Jimmy Bryant Named F&M Lender

Jimmy BryantJames R. (Jimmy) Bryant, former lender at Legends Bank, has been named a commercial lender at F&M Bank in Clarksville. Jimmy is a graduate of Austin Peay State University and has over ten years experience as both a commercial and a consumer lender. He will be headquartered at F&M’s St. Bethlehem Office.

“Jimmy’s financial services experience as both a loan specialist and personal banker, combined with his knowledge of the Montgomery County market will be a real asset as we continue to grow F&M’s market share in Clarksville and the surrounding area", stated Sammy Stuard, F&M Bank President and CEO.



FEBRUARY 25, 2016

NMBA Recognizes F&M's Michael Smalling

Michael SmallingMichael Smalling, F&M Mortgage Loan Originator, was recognized by the Nashville Mortgage Bankers Association as the recipient of two of its most prestigious awards presented during the Associations annual dinner held recently.

Smalling, a twenty-five year veteran of the mortgage services business, was presented with a Production Award for closing in excess of $50 million in mortgage loans. In addition, he received the Community Lending Award for his leadership in starting the Home for Homes Program. It is a non-profit organization comprised of individuals connected to the housing industry working to fund the housing needs of the poor and oppressed in impoverished countries.

“We are extremely proud of the Michael’s leadership, experience and his keen understanding of today’s mortgage services environment. We congratulate him on these well-deserved awards,” stated Rodney Wilds, manager of the Brentwood F&M Mortgage office.

JANUARY 26, 2016

Receive a Fraudulent Text Message?

Fraudulent text messages are being sent to consumers in an effort to steal personally identifiable information. Text broadcasts are commonly used by fraudsters to reach large audiences of potential victims. This scam is quite common and often operates simultaneously in multiple states.

Automated texts are being broadcast that warn consumers to respond regarding their account.
A recent text example: “(F&M Bank) Important message regarding your account! Please respond -<****.f-and.F-bank.info″.

We will NEVER send you a text message asking for your personal information. If you feel as though a text message, email, or phone call is suspicious, please immediately call us at 800.645.4199 to verify the request for information.

DECEMBER 28, 2015

Brad Barrett Named F&M Bank Director

Brad BarrettCLARKSVILLE, Tenn — Brad Barrett, former president of The Tennessee Bankers Association (TBA), has been named to the F&M Bank Board of Directors, according to Sammy Stuard, president and CEO.
“Brad brings a wealth of banking knowledge to F&M and his over 20 years of leadership at the helm of the TBA will contribute greatly as we seek new opportunities for growth across Middle Tennessee,” commented Stuard.

Following F&M’s recent sale to Nashville-area businessman Gaylon Lawrence Jr., Barrett joins the bank at an exciting time. Lawrence’s ownership of Middle Tennessee’s eighth largest bank will increase the bank’s capital and further position F&M for continued growth. Lawrence stated, “Brad’s banking expertise and his knowledge of Tennessee’s financial marketplace will add strength to F&M’s leadership.”

In response, Barrett said “since my career began over 45 years ago, the banking industry has undergone dramatic changes that challenge today’s banks and bankers. I have been impressed with the F&M franchise and have witnessed its transformation from a small bank in Stewart County to a thriving and successful regional bank. I am truly honored to have been asked serve on the F&M board and look forward to being part of the bank’s bright future.”

Barrett served as president of The Tennessee Bankers Association from 1992 until 2013. He is a graduate of the University of Tennessee in Knoxville, having earned his BS degree in finance. He subsequently completed the Institute for Organization Management program at the University of Oklahoma.

Professionally, Barrett served two terms as chairman of the board of trustees for the Graduate School of Banking at Louisiana State University. He has been active in the American and Tennessee Societies of Association Executives. He served as a member of the board of directors and executive committee of BancInsure and served as an executive committee member and past chairman of the State Association Division of the American Bankers Association. In addition, Barrett served on the board of directors of the Tennessee Senior Housing Crime Prevention Foundation.

He is married to the former Diane Poynor and they reside in Nashville. They are the parents of Colin (Rachel) Barrett, Bradley Barrett Jr. and Andrew (Julie) Barrett.

December 4, 2015

Don’t Take the Bait; Avoid Phishing and Malware to Protect Your Personal Data

IRS Security Awareness Tax Tip Number 2, November 30, 2015 - “Update your account now.” “You just won a cruise!” “The IRS has a refund waiting for you.”
In the cyber world of phishing, the sentences are “bait” – lures from emails, telephone calls and texts all designed to separate you from your cash, your passwords, your social security number or your very identity.

The IRS has teamed up with state revenue departments and the tax industry to make sure you understand the dangers to your personal and financial data. Taxes. Security. Together. Working in partnership with you, we can make a difference.

No doubt you’ve heard that warning to beware of phishing many times. But, phishing remains a problem because it works. Cybercriminals on a daily basis concoct new ways to trick people into turning over cash or sensitive data that can affect your taxes.

When it comes to this type of crime, the main line of defense is not technology, it is you...  Read the full article.

November 23, 2015


Brian JonesSumner County---F&M Bank has hired Brian Jones as a Vice President and Commercial Lender for its Sumner County Markets. “Brian has over twenty years of banking experience and his knowledge of the Hendersonville and White House area just adds strength to our presence there,” said Sammy Stuard, President and CEO of F&M Bank.

Brian hold a Bachelor’s Degree in Business Administration from the University of Tennessee at Knoxville. He has also completed coursework through the American Institute of Banking and is a graduate of the Tennessee Bankers Association’s Southeastern School of Commercial Lending. His office will be located at the F&M Bank in White House and he can be reached by calling (615) 389-1165 (Cell) or his office at (615) 672-1660, or by email at brian.jones@myfmbank.com.


October 6, 2015

October is National Cyber 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 CheltonBrentwood, 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 andrew.chelton@myfmbank.com.



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.