F&M BANK

WEST POINT, NE | Small | Est. Jan. 1, 1931, midnight | FDIC #14922 | RSSD #542153 | FDIC
Latest Report: 2025-12-31

F&M BANK is asn small FDIC-insured commercial bank headquartered in WEST POINT, NE, established in Jan. 1, 1931, midnight. As of 2025-12-31, the bank reported total assets of $377M and total deposits of $335M. Profitability stands at 1.65% ROA and 14.94% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 10.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.30%. FDIC Certificate #14922.

Assets

$377M

Deposits

$335M

Loans

$299M

Equity

$38M

Profitability

Return on Assets (ROA) 1.65%
Return on Equity (ROE) 14.94%
Net Interest Margin (NIM) 4.37%
Yield on Assets 6.10%
Cost of Funds 1.80%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.09%
Texas Ratio 0.30%
NPA Ratio 0.03%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 10.07%
Tier 1 Capital 10.07%
Total Capital Ratio 10.57%
Leverage Ratio 10.70%
Loan-to-Deposit 89.36%

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