We are proud to say that F&M is independently owned and operated by friends and neighbors you know and trust. We take great pride in the fact that all financial approvals and decisions can be promptly made locally. It’s this personal attention to you and your needs that make us a great neighbor and a true community leader.
I had had such a terrible experience at another bank and walked into F and M and they treated me like family. All of my needs were taken care of with efficiency and kindness.
October 2025
The Lincolnton Branch is very efficient and has the feel of family.
