F&M BANK AND TRUST COMPANY

HANNIBAL, MO | Small | Est. Jan. 1, 1886, midnight | FDIC #30595 | RSSD #413673 | FED
Latest Report: 2025-12-31

F&M BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in HANNIBAL, MO, established in Jan. 1, 1886, midnight. As of 2025-12-31, the bank reported total assets of $182M and total deposits of $165M. Profitability stands at 0.84% ROA and 9.53% ROE, with a net interest margin of 3.53%. The bank's CET1 capital ratio is 15.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.92% and a Texas Ratio of 7.29%. FDIC Certificate #30595.

Assets

$182M

Deposits

$165M

Loans

$117M

Equity

$17M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 9.53%
Net Interest Margin (NIM) 3.53%
Yield on Assets 5.15%
Cost of Funds 1.64%

Asset Quality

NPL Ratio 0.92%
Net Charge-Off Ratio -0.04%
Texas Ratio 7.29%
NPA Ratio 0.72%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 15.76%
Tier 1 Capital 15.76%
Total Capital Ratio 16.89%
Leverage Ratio 10.07%
Loan-to-Deposit 71.36%

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