Branch Network
F&M Bank Locations & Branches West Point, Nebraska
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F&M Bank operates 6 branches from its headquarters in West Point, NE, .
F&M Bank branch network
Its 6 branches span 2 states and 5 cities. The most are in NEBRASKA (5) and IOWA (1). NEBRASKA holds 99.5% of its branch deposits. South Sioux City, NE has the most of its branches, 2. Its largest office by deposits is its main office in West Point, NE, with $136.7M (43.9% of its branch deposits). It had the same number of branches on June 30, 2025.
F&M Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 11.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $354.6M
- Tier 1 leverage ratio, Q2 2026
- 11.76%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1931
Full financial profile · Is F&M Bank safe? · F&M Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: West Point, NE (1 branch) | 2 of 5 | 32.8% | $136.7M |
| State: NE (5 branches) | 61 of 160 | 0.3% | $310.0M |
Ranked by total assets among banks headquartered in the state: Largest banks in Nebraska.
Share by county and metro area
F&M Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Cuming, NE (1 branch) | 4 of 8 | 15.5% | $136.7M | $882.6M |
| Dakota, NE (2 branches) | 1 of 6 | 33.0% | $108.5M | $328.8M |
| Wayne, NE (1 branch) | 3 of 6 | 8.2% | $39.2M | $478.6M |
| Sarpy, NE (1 branch) | 16 of 21 | 0.7% | $25.6M | $3.41B |
| Woodbury, IA (1 branch) | 20 of 20 | <0.1% | $1.6M | $3.45B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Sioux City, IA-NE-SD (3 branches) | 13 of 30 | 2.3% | $110.1M | $4.77B |
| Omaha-Council Bluffs, NE-IA (1 branch) | 67 of 77 | <0.1% | $25.6M | $42.59B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| F&M Bank (main office) | West Point, NE | 68788 | $136.7M |
| South Sioux City Downtown Branch | South Sioux City, NE | 68776 | $101.8M |
| Wayne Branch | Wayne, NE | 68787 | $39.2M |
| Gretna Branch | Gretna, NE | 68028 | $25.6M |
| South Sioux City Southridge Branch | South Sioux City, NE | 68776 | $6.7M |
| Sioux City 3rd & Virginia | Sioux City, IA | 51101 | $1.6M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 14922) · FFIEC NIC profile (RSSD 542153)