F & M COMMUNITY BANK, NATIONAL ASSOCIATION

PRESTON, MN | Small | Est. March 11, 1911, midnight | FDIC #10967 | RSSD #171759 | OCC
Latest Report: 2025-12-31

F & M COMMUNITY BANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in PRESTON, MN, established in March 11, 1911, midnight. As of 2025-12-31, the bank reported total assets of $214M and total deposits of $186M. Profitability stands at 0.83% ROA and 10.31% ROE, with a net interest margin of 3.65%. The bank's CET1 capital ratio is 7.69%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10967.

Assets

$214M

Deposits

$186M

Loans

$152M

Equity

$17M

Profitability

Return on Assets (ROA) 0.83%
Return on Equity (ROE) 10.31%
Net Interest Margin (NIM) 3.65%
Yield on Assets 5.13%
Cost of Funds 1.48%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 7.69%
Tier 1 Capital 7.69%
Total Capital Ratio 8.08%
Leverage Ratio 9.88%
Loan-to-Deposit 82.04%

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