F & M Community Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
F & M Community Bank, N.A. is an FDIC-insured commercial bank headquartered in Preston, MN, supervised by the OCC, with $211.1M in total assets at Q2 2026, up 1.0% from Q2 2025, the 112th largest of 221 banks headquartered in Minnesota. It was established in 1911 and holds FDIC certificate 10967. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.93% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 10967
- Headquarters
- Preston, MN
- Established
- 1911
- Total assets, Q2 2026
- $211.1M
- Assets vs Q2 2025
- +1.0%
- Tier 1 leverage ratio, Q2 2026
- 9.93%
- Domestic offices
- 3 · F & M Community Bank, N.A. branches FDIC institution directory, current count
- Routing number
- 091203191
- Safety and soundness
- Is F & M Community Bank, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 051 · F & M Community Bank, N.A. Q3 2026 call report, filed October 28, 2026 (preliminary)
- Holding company
- F & M FINANCIAL SERVICES, INC.
- Asset rank in state
- 112th of 221 in Minnesota
F & M Community Bank, N.A., based in Preston, Minnesota, reported $211 million in assets at June 30, 2026, up 1.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%).
Net income for the quarter rose 28% from a year earlier, to $659,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.0 million equal 19% of Tier 1 capital, down from 24% a year earlier.
As of June 30, 2026, F & M Community Bank, N.A. reported a return on assets of 1.23%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
F & M Community Bank, N.A. ranks as the 112th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $211.1M, loans fell 0.6% and deposits rose 2.6%. 1-4 family residential loans made up 36.2% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 16.8%. Its 3 offices in the FDIC Summary of Deposits are in Preston, MN, Rochester, MN and Chatfield, MN; its Preston office books 38% of its branch deposits. On its Q2 2026 call report, F & M Community Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Saint Anthony St N, Preston, MN 55965
- County
- Fillmore
- Metro Area
- Rochester, MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 11, 1911
- Former names
- F & M Community Bank (1994-2002); F & M Bank of Preston (1989-1994); Farmers & Merchants Bank of Preston (1982-1989); Farmers and Merchants Bank of Preston (1981-1982)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $184.4M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $214.4M
- Average total loans
- $151.5M
- Average interest-bearing deposits
- $141.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10967
- Fed RSSD
- 171759
- Website
- www.fmcommunity.com →
- Parent Holding Company
- F & M FINANCIAL SERVICES, INC. (RSSD 1122178)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, F & M Community Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, F & M Community Bank, N.A.'s total assets ran between $204.5M (Q1 2024) and $213.6M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$211.1M total assets against $209.0M; $193.8M total liabilities against $193.6M.
$148.9M net loans and leases against $146.7M; $184.4M total deposits against $179.5M.
$34.9M securities against $37.6M; $10.6M cash and balances due against $7.8M.
$2.6M total interest income against $2.4M; $696K total interest expense against $720K.
$1.9M net interest income against $1.7M.
$458K total noninterest income against $419K; $1.6M total noninterest expense against $1.6M.
$12K provision for credit losses against $46K.
$659K net income against $513K.
1.23% return on assets against 0.98%; 3.76% net interest margin against 3.55%.
9.93% tier 1 leverage ratio against 9.70%.
Inside the full F & M Community Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeF & M Community Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,939 of 3,611, for ROA; its furthest is 3,528 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.40% (Q3 2024) to 1.23% (Q2 2026) and its net interest margin ran from 2.97% (Q3 2024) to 3.76% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.93% | 1.23% | 0.00% | 0.00% | 3.76% |
| Q1 2026 | 9.93% | 0.87% | 0.00% | 0.00% | 3.66% |
| Q4 2025 | 9.88% | 0.82% | 0.05% | 0.44% | 3.63% |
| Q3 2025 | 9.76% | 1.04% | 0.00% | 0.00% | 3.52% |
| Q2 2025 | 9.70% | 0.98% | 0.18% | 1.59% | 3.55% |
| Q1 2025 | 9.38% | 0.70% | 0.00% | 0.00% | 3.23% |
| Q4 2024 | 9.16% | 0.56% | 0.00% | 0.00% | 3.14% |
| Q3 2024 | 9.16% | 0.40% | 0.07% | 0.56% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| F & M Community Bank, N.A. (main office) | Preston , MN | 55965 | $70.5M |
| Hwy 52 Branch | Rochester , MN | 55901 | $68.2M |
| F & M Community Bank, Chatfield Branch | Chatfield , MN | 55923 | $45.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2002 | Structure Change | Acquired F & M Community Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 144 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 94 applications, 84 loans originated, $14.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $204K approved, $204K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about F & M Community Bank, N.A.
What are F & M Community Bank, N.A.'s total assets?
As of the Q2 2026 filing, F & M Community Bank, N.A. reported total assets of $211.1 million in its FFIEC call report.
Where is F & M Community Bank, N.A. headquartered?
It is headquartered in Preston, MN, United States.
When was F & M Community Bank, N.A. founded?
It was established in 1911, per the FDIC institution directory.
Is F & M Community Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10967). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates F & M Community Bank, N.A.?
F & M Community Bank, N.A.'s primary federal regulator is the OCC.
How many branches does F & M Community Bank, N.A. operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is F & M Community Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was F & M Community Bank, N.A. previously called?
The charter now named F & M Community Bank, N.A. has also operated as F & M Community Bank (1994-2002), F & M Bank of Preston (1989-1994), Farmers & Merchants Bank of Preston (1982-1989), Farmers and Merchants Bank of Preston (1981-1982), per FDIC structure-change records.
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