Unverified listing What this means
The Lender Report built this page from public records. F&M Bank has not reviewed it. Every lender's page starts this way, and it says nothing about F&M Bank itself. Each figure shows its source and date. Work at F&M Bank? You can claim this page for free.
Depository, Clarksville, TN
F&M Bank, Clarksville, TN
F&M Bank no longer files under this name. FDIC records show it merged into Lawrence Bank on January 1, 2026. Before that it made 15 multifamily loans in 2025, at a typical size of $955K, and 119 1-4 unit investor or business-purpose loans in 2025.
- Kind
- Depository, no June 2026 call report
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
- Multifamily loans made, 2025
- 15
- HMDA,
- HMDA, 5 or more units
- Investor loans made, 2025
- 119
- HMDA,
- 1-4 units or business purpose
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Multifamily dollars, 2025
- $25.2M
- HMDA,
How to reach them
Each line shows where it came from
- Phone
- No phone number or website is on record for this lender.
- Address
- 50 Franklin St, Clarksville, TN 37040FDIC institution record,
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 1 opened, 4 closed, 0 relocated.FDIC structure history. | FDIC history |
| January 1, 2026 | Merged into Lawrence Bank on January 1, 2026.FDIC structure history. | FDIC history, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Montgomery County, TN | Purchase, 5 to 24 units | $7.1M | 6.5% | 2.6 yr | 75% | HMDA 2025 |
| 2025 | Montgomery County, TN | Purchase, 5 to 24 units | $6.1M | 6.5% | 2.8 yr | 75% | HMDA 2025 |
| 2025 | Kentucky | Refinance, 5 to 24 units | $1.8M | 7.05% | 30 yr | 76% | HMDA 2025 |
| 2025 | Montgomery County, TN | Purchase, 5 to 24 units | $1.6M | 7.05% | 5 yr | 89% | HMDA 2025 |
| 2025 | Montgomery County, TN | Purchase, 5 to 24 units | $1.5M | 9% | 5 yr | 80% | HMDA 2025 |
| 2025 | Montgomery County, TN | Purchase, 5 to 24 units | $1.1M | 9% | 5 yr | 80% | HMDA 2025 |
| 2025 | Davidson County, TN | Refinance, 5 to 24 units | $1M | 6.8% | 2 yr | 80% | HMDA 2025 |
| 2025 | Nashville-Davidson--Murfreesboro--Franklin, TN | Purchase, 5 to 24 units | $960K | 7.05% | 5 yr | 79% | HMDA 2025 |
| 2025 | Montgomery County, TN | Refinance, 5 to 24 units | $860K | 6.55% | 5 yr | 72% | HMDA 2025 |
| 2025 | Tennessee | Refinance, 5 to 24 units | $660K | 7.4% | 5 yr | 76% | HMDA 2025 |
| 2025 | Clarksville, TN-KY | Purchase, 5 to 24 units | $640K | 6.35% | 4 yr | 80% | HMDA 2025 |
| 2025 | Christian County, KY | Purchase, 5 to 24 units | $600K | 7.15% | 2 yr | 77% | HMDA 2025 |
| 2025 | Tennessee | Refinance, 5 to 24 units | $560K | 7.4% | 5 yr | 75% | HMDA 2025 |
| 2025 | Montgomery County, TN | Refinance, 5 to 24 units | $400K | 7% | 5 yr | 34% | HMDA 2025 |
| 2025 | Montgomery County, TN | Refinance, 5 to 24 units | $360K | 7.25% | 2 yr | 34% | HMDA 2025 |
| 2024 | Montgomery County, TN | Purchase, 100 to 149 units | $9.4M | 7.25% | 25 yr | 41% | HMDA 2024 |
| 2024 | Montgomery County, TN | Purchase, 25 to 49 units | $3.2M | 8% | 5 yr | 64% | HMDA 2024 |
| 2024 | Montgomery County, TN | Purchase, 5 to 24 units | $3M | 8% | 3 yr | 80% | HMDA 2024 |
| 2024 | Montgomery County, TN | Purchase, 5 to 24 units | $2.7M | 8.75% | 5 yr | 80% | HMDA 2024 |
| 2024 | Montgomery County, TN | Purchase, 5 to 24 units | $2.5M | 10% | 5 yr | 80% | HMDA 2024 |
| 2024 | Davidson County, TN | Purchase, 5 to 24 units | $2.5M | 10% | 5 yr | 59% | HMDA 2024 |
| 2024 | Montgomery County, TN | Purchase, 5 to 24 units | $2.1M | 10% | 5 yr | 66% | HMDA 2024 |
| 2024 | Montgomery County, TN | Purchase, 5 to 24 units | $1.8M | 10% | 5 yr | 80% | HMDA 2024 |
| 2024 | Montgomery County, TN | Purchase, 5 to 24 units | $1.8M | 10% | 5 yr | 80% | HMDA 2024 |
| 2024 | Hamilton County, TN | Purchase, 5 to 24 units | $1.7M | 7% | 30 yr | 60% | HMDA 2024 |
| 15 multifamily loans made in 2025 | $25.2M | HMDA 2025 | |||||
A blank means the source did not report it.
What it lends on
HMDA and SBA files
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 15 | $25.2M | $955K | $7.1M | HMDA, |
| Multifamily, 5 or more units | 2024 | 25 | $42.7M | $1.34M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 119 | $32.4M | $215K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Tennessee HQ | 1 | 13 | 113 | 0 | 0 |
| Kentucky | 0 | 2 | 6 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Montgomery County, TN | 27 | $55.4M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Clarksville, TN-KY | 30 | $57.6M |
Peers
Same kind of lender, similar size and book
What we don't know
- Whether it is taking new loans today, or on what terms.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. F&M Bank, FDIC certificate 9963. Compare it with the regulator's record.
- Loans made. 159 recorded loans from the HMDA file, in 2024 and 2025: 15 HMDA multifamily 2025, 25 HMDA multifamily 2024, 119 HMDA 1-4 unit investor 2025. Each has its source and date. [How each file was tied to F&M Bank]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- FDIC certificate
- 9963
- LEI
- 549300YRN588YD6VNJ18
- The Lender Report ID
- lr_009388
- Originated 15 multifamily loans totaling $25.2M in 2025 (HMDA).
- Originated 25 multifamily loans totaling $42.7M in 2024 (HMDA).
- Originated 119 1-4 unit investor or business-purpose loans totaling $32.4M in 2025 (HMDA).
- Merged into Lawrence Bank on January 1, 2026. Source: FDIC records.
Cite this
Source: The Lender Report, F&M Bank, https://lender.report/lender/f-and-m-bank-tn/, data as of December 31, 2025.
Sources
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem