Episode 3
Leadership, Legacy & Sustainable Banking with Steve Fisher
Steve Fisher, Chairman & CEO of F&M Bank and NCBA Chair, joins host Peter Gwaltney for a conversation about leadership, the history and future of community banking, and building institutions designed to serve their communities for generations.
Watch the Episode
About This Episode
In the third episode of the Carolina Banker podcast, NCBA President and CEO Peter Gwaltney sits down with Steve Fisher, Chair of the North Carolina Bankers Association and Chairman and CEO of F&M Bank, for a conversation about leadership, legacy and the long-term work of community banking.
Steve reflects on following in the footsteps of his father, Paul Fisher, who served as NCBA Chair in 1989, and on the principles that continue to guide him today: show up, find a way to be useful and lead with love. He also shares the story of F&M Bank, founded in Granite Quarry in 1909, and how generations of leadership have shaped the bank’s approach to serving its communities.
The conversation turns to the principles behind sustainable banking: strong people, patient decision-making, liquidity, talent development and a willingness to plan for the long term. Steve and Peter also discuss the challenges ahead for the industry, including cybersecurity, artificial intelligence, stablecoins and the CLARITY Act—and why trust, relationships and locally based deposits remain essential to the role banks play in growing communities and creating opportunity.
Listen on Spotify
Banking Coverage from the Appalachians to the Atlantic
The Carolina Banker podcast brings together leaders and voices from across North Carolina’s banking industry for conversations about service, leadership and the issues shaping the work ahead.

