F&M BANK AND TRUST COMPANY is an 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%. CET1 capital ratio: 15.76%, well above regulatory minimums. NPL ratio: 0.92% · Texas Ratio: 7.29%. Operates 3 domestic branches.
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