F&M BANK

EDMOND, OK | Medium | Est. Jan. 1, 1902, midnight | FDIC #12761 | RSSD #163857 | FDIC
Latest Report: 2025-12-31

F&M BANK is amn medium FDIC-insured commercial bank headquartered in EDMOND, OK, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $810M and total deposits of $668M. Profitability stands at 0.85% ROA and 7.21% ROE, with a net interest margin of 4.40%. The bank's CET1 capital ratio is 11.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.81% and a Texas Ratio of 10.69%. FDIC Certificate #12761.

Assets

$810M

Deposits

$668M

Loans

$605M

Equity

$93M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 7.21%
Net Interest Margin (NIM) 4.40%
Yield on Assets 6.15%
Cost of Funds 1.86%

Asset Quality

NPL Ratio 1.81%
Net Charge-Off Ratio --
Texas Ratio 10.69%
NPA Ratio 1.35%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 11.45%
Tier 1 Capital 11.45%
Total Capital Ratio 12.03%
Leverage Ratio 12.40%
Loan-to-Deposit 90.54%

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