BanksF&M BANK AND TRUST COMPANY

F&M BANK AND TRUST COMPANY

HANNIBAL, MOSmallEst. Jan. 1, 1886, midnightFDIC #30595RSSD #413673FED
Latest · 2025-12-31

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.

Assets
$182M
Deposits
$165M
Loans
$117M
Equity
$17M

Profitability

Return on Assets (ROA)0.84%
Return on Equity (ROE)9.53%
Net Interest Margin3.53%
Yield on Assets5.15%
Cost of Funds1.64%

Asset Quality

NPL Ratio0.92%
Net Charge-Off Ratio-0.04%
Texas Ratio7.29%
NPA Ratio0.72%
ACL / Loans1.13%

Capital & Liquidity

CET1 Ratio15.76%
Tier 1 Capital15.76%
Total Capital Ratio16.89%
Leverage Ratio10.07%
Loan-to-Deposit71.36%

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