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Clarksville, TENN. – June 8, 2026 – Volunteer and F&M, two long-standing community banks founded and headquartered in Middle Tennessee have completed the final phase of their integration under a single bank charter, Lawrence Bank. Effective June 8, 2026, the banks successfully unified their core banking systems and operations, giving customers seamless access to banking services at any Volunteer or F&M branch location.

This milestone follows their alignment under a single charter on January 1, 2026, after more than seven years of shared ownership. While Volunteer and F&M will continue operating under their trusted brands as divisions of Lawrence Bank, customers now benefit from the convenience of conducting transactions, accessing accounts, and receiving personalized service across a combined branch network. The integration reflects a shared commitment to strengthening community banking across Middle Tennessee. Together as one bank, the two brands reaffirm their long-term investment in the region while preserving the heritage, values and customer-first approach that have defined both banks for generations.

“This union reflects intentional, disciplined growth—growth that honors our rich history while positioning us for the future,” said Tony Gregory, chairman, president, and chief executive officer of Lawrence Bank. “Operating under a single charter amplifies our ability to invest in our communities, expand our capabilities, and deliver a consistent, high-quality banking experience across Middle Tennessee. For our customers, it means greater convenience, broader access to services, and the strength of a larger organization—all while preserving the local leadership, relationships, and service culture that define both Volunteer and F&M.”

Together, Volunteer and F&M operate 28 branches across nine Middle Tennessee counties—Davidson, Dickson, Montgomery, Robertson, Rutherford, Stewart, Sumner, Williamson, and Wilson—reinforcing their role as a leading locally headquartered banking partner in a market increasingly served by out-of-region financial institutions. Beyond providing greater access and convenience for individuals, families, and businesses, the combined organization remains deeply invested in the communities it serves through local leadership, community involvement, volunteerism, and decisions made close to home. The result is a banking experience that extends beyond the walls of its branches—supporting the people, organizations, and communities that drive Middle Tennessee forward.

"This is an exciting step forward for both F&M and Volunteer,” said John Wallace, Jr., President of F&M, a Lawrence Bank. “By bringing our teams, technology, and resources together, we have created a stronger banking experience for our customers and better positioned ourselves for the future. Customers will benefit from enhanced digital capabilities, greater convenience, and the strength of a unified organization, while continuing to receive the trusted service and relationships that have always been at the heart of our banks.”

With a combined 169 years of service, Volunteer and F&M bring together the scale and resources of a larger banking institution, while maintaining our strong local presence in Middle Tennessee. The result is an enhanced, more connected banking experience that remains personal and helps our communities thrive.

About Lawrence Bank

Headquartered in Nashville, Tennessee, Lawrence Bank is a $3.2 billion community banking organization that serves as the single charter for Volunteer, a Lawrence Bank and F&M, a Lawrence Bank. Together, the two brands bring 169 combined years of community banking, serving individuals, families, and businesses across Middle Tennessee through relationship-driven banking and local decision-making. Through the Volunteer and F&M brands, customers across nine Middle Tennessee counties—Davidson, Dickson, Montgomery, Robertson, Rutherford, Stewart, Sumner, Williamson, and Wilson—have access to a combined network of 28 financial centers. Together, they offer a full suite of financial solutions for personal and business needs, while remaining committed to the communities they serve and call home.

For more information about products and services, branch locations, and hours of operation, visit Volunteer.Bank or myfmbank.com.