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About Us

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William S. Stuard
President & CEO

F&M Bank is a dynamic regional bank located in middle Tennessee ... and is one of the top 15 independent banks in the state! F&M Bank operates 15 full-service banking offices in Clarksville, Springfield, Greenbrier, Dover, Bumpus Mills, Lebanon, Mt. Juliet, White House, Murfreesboro, Hendersonville and Cookeville. We also have mortgage loan offices in Brentwood, Green Hills, and Murfreesboro, Tennessee. Take time to browse our site and learn about the ever-increasing array of financial products and services we offer ... whether you need personal services, business services or looking for a mortgage loan... whatever it takes to realize your financial dreams, we are here to help you! Click here to Contact Us.

We remain steadfast to the traditional financial principles which 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 community bank where decisions are made locally and customers' dollars are reinvested back into the communities we serve.



Our Story ...

Founded in Bumpus Mills, Tennessee 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 docile 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 site for expansion. By 1989, Farmers & Merchants Bank opened in Montgomery County.

Growth was swift. They soon gained national recognition in Entrepreneur Magazine and The Wall Street Journal as a model of community banking. Expansion continued in Montgomery and 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. Wallace maintained his role as bank chairman. Together they realized that to continue its aggressive growth, the bank needed a more modern, progressive image. In 2002, they took the bold step to transform Farmers and Merchants into today’s F&M Bank — move that accelerated their growth as one of today’s premier middle Tennessee banks.