F & M Bancorp. 

F&M Bancorp, operating with its subsidiaries, functions as an independent, state-chartered banking institution. The company provides a comprehensive range of financial solutions for individual clients, such as checking and savings accounts, and extends similar deposit services to businesses. Its offerings also include various loan products, covering home mortgages, personal financing, student loans, and credit for businesses and agriculture. Additionally, F&M Bancorp issues credit and debit cards and provides insurance services. The bank primarily caters to customers in the southern part of Montgomery County, Ohio, and has been headquartered in Miamisburg, Ohio, since its establishment in 1923.