F&M Bank (Edmond, OK)
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Data as of · sourced from FFIEC call reports. How we update
F&M Bank is an FDIC-insured commercial bank headquartered in Edmond, OK, established in 1902 (FDIC certificate 12761), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $915.3M, up 20.6% from Q2 2025, the 31st largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12761
- Headquarters
- Edmond, OK
- Established
- 1902
- Total assets, Q2 2026
- $915.3M
- Assets vs Q2 2025
- +20.6%
- Tier 1 leverage ratio, Q2 2026
- 10.00%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 103104133
- Holding company
- F&M BANCSHARES, INC.
- Asset rank in state
- 31st of 169 in Oklahoma
F&M Bank is growing quickly. Its balance sheet stood at $915 million at June 30, 2026, up 20.6% from a year earlier; it is based in Edmond, Oklahoma. It grew deposits 22.4% over the year, 5.5 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.42 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Its $110 million commercial and industrial book is improving, with 0.02% past due or on nonaccrual, down from 5.54% a year earlier. Deposits are coming in faster than loans: over the year loans rose 16.1% and deposits rose 22.4%. One more trend to watch: net income for the quarter slipped 20% from a year earlier, to $2.9 million.
As of June 30, 2026, F&M Bank reported a return on assets of 1.25%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.42%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, F&M Bank is the 31st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.1% to $915.3M, loans fell 2.2% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by loans to states and political subdivisions, at 18.0% of total loans, followed by commercial and industrial loans at 16.8%. The FDIC Summary of Deposits lists 11 offices for it, in 8 cities in OK; its Guthrie 2 offices book 23% of its branch deposits. By the capital ratios in its Q2 2026 call report, F&M Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 17100 N May Ave, Edmond, OK 73012
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Former names
- Farmers & Merchants Bank (2006-2011)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 126
- Domestic deposits
- $799.0M
- Allowance for credit losses
- $7.4M
- Net charge-offs (YTD)
- $6.0M
- Average total assets
- $926.6M
- Average total loans
- $654.2M
- Average interest-bearing deposits
- $606.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12761
- Fed RSSD
- 163857
- Website
- http://www.fmbankok.com →
- Parent Holding Company
- F&M BANCSHARES, INC. (RSSD 1054550)
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 Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
F&M Bank's total assets moved between a low of $670.1M (Q3 2023) and a high of $925.2M (Q1 2026) from Q3 2023 to Q2 2026, 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
$915.3M total assets against $758.6M; $819.3M total liabilities against $669.5M.
$648.0M net loans and leases against $557.4M; $799.0M total deposits against $652.9M.
$176.8M securities against $139.4M; $43.4M cash and balances due against $26.8M.
$13.2M total interest income against $10.9M; $3.8M total interest expense against $3.1M.
$9.3M net interest income against $7.8M.
$1.1M total noninterest income against $1.1M; $5.8M total noninterest expense against $4.8M.
$1.7M provision for credit losses against $310K.
$2.9M net income against $3.6M.
1.25% return on assets against 1.93%; 4.42% net interest margin against 4.47%.
10.00% tier 1 leverage ratio against 12.26%.
Inside the full F&M Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeF&M Bank rankings
Its closest position to the top of a national ranking is 1,119 of 4,196, for total assets; its furthest is 2,077 of 3,640, for Texas Ratio.
Banks merged into F&M Bank
- Community National Bank of Okarche, effective January 17, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.87% (Q4 2025) to 1.93% (Q2 2025) and its net interest margin ran from 3.86% (Q3 2024) to 4.50% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.00% | 1.25% | 0.36% | 2.42% | 4.42% |
| Q1 2026 | 9.80% | 1.11% | 1.64% | 10.91% | 4.19% |
| Q4 2025 | 12.40% | 0.87% | 1.84% | 10.87% | 4.50% |
| Q3 2025 | 12.41% | 1.33% | 2.01% | 11.63% | 4.20% |
| Q2 2025 | 12.26% | 1.93% | 0.45% | 2.66% | 4.47% |
| Q1 2025 | 11.91% | 1.77% | 0.57% | 3.31% | 4.17% |
| Q4 2024 | 11.29% | 1.59% | 0.62% | 3.92% | 3.86% |
| Q3 2024 | 11.29% | 1.48% | 0.49% | 3.04% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Guthrie Branch | Guthrie , OK | 73044 | $180.5M |
| Kingfisher Branch | Kingfisher , OK | 73750 | $138.9M |
| Piedmont Branch | Piedmont , OK | 73078 | $138.3M |
| Crescent Branch | Crescent , OK | 73028 | $120.3M |
| Community National Bank of Okarche Branch | Okarche , OK | 73762 | $73.7M |
| Surrey Branch | Yukon , OK | 73099 | $53.1M |
| Fairview Branch | Fairview , OK | 73737 | $37.3M |
| F&M Bank (main office) | Edmond , OK | 73012 | $32.5M |
| Yukon Branch | Yukon , OK | 73099 | $12.9M |
| Waterloo Branch | Edmond , OK | 73034 | $10.5M |
| South Division Branch | Guthrie , OK | 73044 | $1.0M |
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 |
|---|---|---|---|
| January 17, 2026 | Structure Change | Acquired Community National Bank of Okarche Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 16, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 2012 | Structure Change | Acquired First Capital Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 8, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 24, 2011 | Structure Change | Acquired F & M Bank, National Association, Oklahoma City, Oklahoma Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 23, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 24, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 24, 1995 | Structure Change | Acquired The Bank of Crescent 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 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in OK, rank 35 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 373 applications, 309 loans originated, $83.1M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $5.5M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Bank
What are F&M Bank's total assets?
As of the Q2 2026 filing, F&M Bank reported total assets of $915.3 million in its FFIEC call report.
Where is F&M Bank headquartered?
It is headquartered in Edmond, OK, United States.
When was F&M Bank founded?
It was established in 1902, per the FDIC institution directory.
Is F&M Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates F&M Bank?
F&M Bank's primary federal regulator is the FDIC.
How many branches does F&M Bank operate?
It operates 11 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 Bank's Texas Ratio?
Its Texas Ratio is 2.42% 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 Bank previously called?
The charter now named F&M Bank has also operated as Farmers & Merchants Bank (2006-2011), per FDIC structure-change records.
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