F&M BANK is an 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%. CET1 capital ratio: 10.07%, well above regulatory minimums. NPL ratio: 0.04% · Texas Ratio: 0.30%. Operates 6 domestic branches.
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