F&M BANK

CLARKSVILLE, TN | Large | RSSD #741330
Latest Report: 2025-12-31

F&M BANK is aln large FDIC-insured commercial bank headquartered in CLARKSVILLE, TN. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.4B. Profitability stands at 0.72% ROA and 7.36% ROE, with a net interest margin of 3.61%. The bank's CET1 capital ratio is 12.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 2.03%.

Assets

$1.5B

Deposits

$1.4B

Loans

$1.2B

Equity

$157M

Profitability

Return on Assets (ROA) 0.72%
Return on Equity (ROE) 7.36%
Net Interest Margin (NIM) 3.61%
Yield on Assets 5.67%
Cost of Funds 2.65%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.03%
NPA Ratio 0.22%
ACL / Loans 0.73%

Capital & Liquidity

CET1 Ratio 12.27%
Tier 1 Capital 12.27%
Total Capital Ratio 12.96%
Leverage Ratio 9.53%
Loan-to-Deposit 84.29%

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