F&M Bank Welcomes Evan McHaffa as Executive Vice President, Chief Credit Officer

Timberville, VA – January 12, 2026 – F&M Bank is pleased to announce that Evan McHaffa has joined the organization as Executive Vice President and Chief Credit Officer. In this role, McHaffa will oversee the bank’s credit administration, portfolio management, and risk governance, supporting F&M’s long-term growth and commitment to responsible lending.

McHaffa brings extensive experience in commercial lending, credit strategy, and portfolio oversight, with a strong background in aligning credit discipline with relationship-focused banking. He will work closely with executive leadership and lending teams across the bank’s footprint to ensure consistency, sound risk management, and thoughtful decision-making.

“I’m tremendously excited and honored to join F&M Bank and be part of an institution with such a strong community focus and long-standing reputation, especially in the community that I’ve called home since childhood- the Shenandoah Valley,” McHaffa said. “As a native of the Valley who has called Stuarts Draft my home since the age of 8, F&M’s commitment to local decision-making and relationship banking aligns closely with my own values, and I look forward to supporting the bank’s continued growth in a way that serves both our customers and our communities.”

As Chief Credit Officer, McHaffa will play a key role in strengthening credit processes, supporting lenders, and maintaining the bank’s high standards for safety, soundness, and service.

“Evan’s broad credit expertise, local market knowledge and strategic approach will help F&M Bank continue to meet the lending needs of our Agriculture, Commercial, and Consumer customers. His relationship focused philosophy is consistent with our GROW culture and values,” said F&M Bank’s CEO, Mike Wilkerson. “As an Executive Vice President of our company, Evan’s leadership will be instrumental as we continue to build the future of F&M Bank.”

About F&M Bank

F&M Bank, headquartered in Timberville, Virginia, has been serving the Shenandoah Valley since 1908. With a network of branches and a long history of community partnership, F&M Bank remains committed to helping individuals and businesses grow and thrive.