F&M Bank (Falls City, NE)
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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 Falls City, NE, established in 1882 (FDIC certificate 5401), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $135.3M, down 8.2% from Q2 2025, the 96th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.63% 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
- 5401
- Headquarters
- Falls City, NE
- Established
- 1882
- Total assets, Q2 2026
- $135.3M
- Assets vs Q2 2025
- -8.2%
- Tier 1 leverage ratio, Q2 2026
- 11.63%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104900802
- Holding company
- AMBAGE, INC.
- Asset rank in state
- 96th of 138 in Nebraska
F&M Bank, based in Falls City, Nebraska, reported $135 million in assets at June 30, 2026, down 8.2% 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 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also shrank its loan book 6.8% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $549,000, 38% above the same quarter a year earlier. Over the same year, loans shrank 6.8% and deposits shrank 10.3%.
As of June 30, 2026, F&M Bank reported a return on assets of 1.57%, 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.
Of the 138 banks headquartered in Nebraska, F&M Bank is the 96th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.9% to $135.3M, loans rose 0.6% and deposits fell 6.0%. Farmland and other real estate loans made up 37.3% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 23.7%. Its 2 offices in the FDIC Summary of Deposits are in Falls City, NE. Judged on its Q2 2026 call report, F&M Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1701 Stone St, Falls City, NE 68355
- County
- Richardson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1882
- Former names
- First National Bank and Trust Company (1976-2012)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $115.1M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $139.7M
- Average total loans
- $56.2M
- Average interest-bearing deposits
- $83.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5401
- Fed RSSD
- 259059
- Website
- www.fmbankfc.bank →
- Parent Holding Company
- AMBAGE, INC. (RSSD 3675959)
- Ultimate Parent
- R. DEAN PHILLIPS BANK TRUST DATED 11-19-2004 (RSSD 5558681)
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
Over the 12 quarters to Q2 2026, F&M Bank's total assets ran between $120.5M (Q1 2024) and $147.3M (Q2 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
$135.3M total assets against $147.3M; $119.3M total liabilities against $132.2M.
$55.4M net loans and leases against $59.6M; $115.1M total deposits against $128.4M.
$41.2M securities against $38.6M; $35.8M cash and balances due against $46.0M.
$1.5M total interest income against $1.5M; $365K total interest expense against $398K.
$1.2M net interest income against $1.1M.
$85K total noninterest income against $81K; $705K total noninterest expense against $742K.
$0 provision for credit losses against $25K.
$549K net income against $399K.
1.57% return on assets against 1.21%; 3.62% net interest margin against 3.53%.
11.63% tier 1 leverage ratio against 11.64%.
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 1,159 of 3,611, for ROA; its furthest is 3,595 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.45% (Q4 2024) to 1.57% (Q2 2026) and its net interest margin ran from 3.02% (Q3 2024) to 3.79% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.63% | 1.57% | 0.00% | 0.00% | 3.62% |
| Q1 2026 | 11.88% | 1.33% | 0.00% | 0.00% | 3.52% |
| Q4 2025 | 12.08% | 1.55% | 0.00% | 0.00% | 3.79% |
| Q3 2025 | 11.51% | 1.41% | 0.00% | 0.00% | 3.56% |
| Q2 2025 | 11.64% | 1.21% | 0.00% | 0.00% | 3.53% |
| Q1 2025 | 11.29% | 1.07% | 0.00% | 0.00% | 3.27% |
| Q4 2024 | 10.94% | 0.45% | 0.00% | 0.00% | 3.20% |
| Q3 2024 | 11.89% | 1.13% | 0.00% | 0.00% | 3.02% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Bank (main office) | Falls City , NE | 68355 | $115.1M |
| Harlan Street Branch | Falls City , NE | 68355 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NE, rank 107 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $505K approved, $253K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 $135.3 million in its FFIEC call report.
Where is F&M Bank headquartered?
It is headquartered in Falls City, NE, United States.
When was F&M Bank founded?
It was established in 1882, per the FDIC institution directory.
Is F&M Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5401). 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 2 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 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 Bank previously called?
The charter now named F&M Bank has also operated as First National Bank and Trust Company (1976-2012), per FDIC structure-change records.
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