LOANS AND CREDIT QUALITY (Details) - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
Gross loans	$ 849,315	$ 840,688
Unamortized net deferred loan fees	542	739
Less allowance for credit losses	8,312	8,129
Loans outstanding	840,461	831,820
Multi-Family [Member]
Loans outstanding	11,185	10,804
1-4 Family residential construction [Member]
Loans outstanding	26,173	25,102
Owner Occupied Commercial Real Estate [Member]
Loans outstanding	94,021	86,169
Real Estate [Member]
Loans outstanding	228,374	213,081
Credit Cards [Member]
Loans outstanding	3,295	3,524
Other commercial real estate [Member]
Loans outstanding	104,415	98,189
Commercial and industrial [Member]
Loans outstanding	58,703	64,901
Automobile loans [Member]
Loans outstanding	90,016	104,271
Construction/Land Developments [Member]
Loans outstanding	38,807	58,208
Farmland [Member]
Loans outstanding	105,235	86,016
Home Equity - Closed End [Member]
Loans outstanding	6,496	6,137
Home Equity - Open End [Member]
Loans outstanding	51,364	49,542
Agricultural loans [Member]
Loans outstanding	16,844	17,928
Other consumer loans [Member]
Loans outstanding	9,839	11,915
Municipal loans [Member]
Loans outstanding	$ 4,548	$ 4,901

F&M BANK CORP 10-Q