BanksF&M BANK

F&M BANK

WEST POINT, NESmallEst. Jan. 1, 1931, midnightFDIC #14922RSSD #542153FDIC
Latest · 2025-12-31

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.

Assets
$377M
Deposits
$335M
Loans
$299M
Equity
$38M

Profitability

Return on Assets (ROA)1.65%
Return on Equity (ROE)14.94%
Net Interest Margin4.37%
Yield on Assets6.10%
Cost of Funds1.80%

Asset Quality

NPL Ratio0.04%
Net Charge-Off Ratio0.09%
Texas Ratio0.30%
NPA Ratio0.03%
ACL / Loans1.21%

Capital & Liquidity

CET1 Ratio10.07%
Tier 1 Capital10.07%
Total Capital Ratio10.57%
Leverage Ratio10.70%
Loan-to-Deposit89.36%

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