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Welcome to the Garden Grove Office

F&M Bank opened its first Orange County office in Garden Grove in 1955. Since its inception, the branch has served generations of families who continue to bank at this location.

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Welcome to the Garden Grove Office.

F&M Bank opened its first Orange County office in Garden Grove in 1955. Since its inception, the branch has served generations of families who continue to bank at this location.

The traditional round vault door, brought in before the building was built, can be seen from the street and has become a signature of the branch. The branch serves a diverse clientele and employees are bilingual to meet the needs of the community.

Dedicated Branch Manager Sandy Thomas has served F&M’s customers for more than 3 decades and received an award from Senator Lou Correa for making a difference in the community.

This F&M branch takes an active interest in the city, with Sandy serving as president of the Chamber of Commerce. The Garden Grove office is committed to helping the community by proactively investing time and support in local non-profit causes.

Sandy Thomas


My name is Sandy Thomas and I have the distinct pleasure of managing the Farmers & Merchants Bank (F&M) Garden Grove office.  I started as a Teller and now, many years later have...
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My name is Sandy Thomas and I have the distinct pleasure of managing the Farmers & Merchants Bank (F&M) Garden Grove office.  I started as a Teller and now, many years later have the privilege of managing my own office.  I enjoy spending time with my family and serving the community.  I am proud to serve as a Chairperson for the Garden Grove Chamber, as a Board Member of Acacia Adult Day Services, as a Board Member of the Women’s Division of the Garden Grove Chamber, and as a member of the Advisory Board for the Garden Grove Assistance League.

Thirty-five years of banking experience combined with extensive college coursework has enabled me to play an instrumental role in F&M’s growth and, more importantly, assist people with their banking needs.  Helping people is what motivates me every day.  My fondest memory of F&M was being a part of the 100th Anniversary celebration. I was very proud.  

Please call or stop by our office and introduce yourself.  I welcome the opportunity to meet you.

Sandy Thomas


Scott Dowds


My name is Scott Dowds and I have the distinct pleasure of serving as Regional Manager of the Fullerton, Santa Ana, Orange and Garden Grove Farmers & Merchants Bank (F&M) offices...
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My name is Scott Dowds and I have the distinct pleasure of serving as Regional Manager of the Fullerton, Santa Ana, Orange and Garden Grove Farmers & Merchants Bank (F&M) offices. I started as a Business Development Officer and now have the privilege of being a Regional Manager. I enjoy spending time with my family and serving the community by volunteering as a member of the Board of Directors for the Fullerton Chamber of Commerce, the Eastside Christian Schools and the Fullerton Boys & Girls Club. I also serve as Chairman of the Fullerton Rotary Membership Committee, Treasurer of the Los Hombres Amigos Foundation, and take part in the Huntington Beach Leadership Program.

Twenty-four years of banking experience combined with extensive college coursework has enabled me to play an instrumental role in F&M’s growth and, more importantly, assist people with their banking needs. Helping people is what motivates me every day. My fondest memory with F&M was attending the Architects of Peace dinner with Ken and Nancy Walker for the Nixon Library honoring President George Bush Sr. and Brent Scowcroft.

Scott Dowds

Regional Manager

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