Farmers and Merchants Bancshares, Inc.

Farmers and Merchants Bancshares, Inc. is a financial holding company and the parent of Farmers and Merchants Bank. The Maryland-based bank was chartered in 1919 and serves the deposit and financing needs of both consumers and businesses.


F&M Bank recognized an opportunity to acquire in-market Carroll Community Bank and partnered with Hartman Executive Advisors to plan and execute the bank’s first acquisition. Hartman guided the bank’s executive team through the complex integration process using a tried-and-true transaction roadmap to address every detail of the deal and achieve the desired outcome to grow the bank.

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