Farmers Bankshares, Inc. functions as the parent company for Farmers Bank, which provides a wide range of financial products and services. Its main customers are small to mid-sized businesses, professionals, corporate executives, and entrepreneurs, predominantly situated in southeastern Virginia. The institution offers basic personal and business deposit options, including checking and savings accounts. Its diverse lending portfolio covers personal financing such as residential lot, construction, vehicle, and unsecured loans, in addition to home equity lines of credit and mortgage products. For commercial clients, the bank extends working capital lines, equipment financing, commercial property mortgages, real estate investment loans, and standby letters of credit. Moreover, it supports real estate development through acquisition and development loans, construction financing, agricultural loans, and operating lines of credit. Beyond traditional banking, the company also operates an insurance agency and offers credit and debit cards, overdraft services, and various convenient banking technologies. These include ATMs, direct payment services, safe deposit boxes, wire transfers, online cash management, merchant services, remote deposit capture, and both online and telephone banking platforms. Farmers Bank conducts its operations through eight branch locations. Established in 1919, the company is headquartered in Windsor, Virginia.