F&M Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
F&M Bank and Trust Company is an FDIC-insured commercial bank headquartered in Hannibal, MO, established in 1886 (FDIC certificate 30595), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $182.4M, down 0.2% from Q2 2025, the 131st largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 15.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 30595
- Headquarters
- Hannibal, MO
- Established
- 1886
- Total assets, Q2 2026
- $182.4M
- Assets vs Q2 2025
- -0.2%
- CET1 ratio, Q2 2026
- 15.38%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 281573013
- Latest call report
- Q2 2026, FFIEC 051 · F&M Bank and Trust Company call report
- Holding company
- FARMERS & MERCHANTS BANCORP, INC.
- Asset rank in state
- 131st of 191 in Missouri
F&M Bank and Trust Company, based in Hannibal, Missouri, reported $182 million in assets at June 30, 2026. It lost 1.4% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also keeps 3.46 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $433,000, 36% above the same quarter a year earlier. Over the same year, loans grew 7.9% and deposits shrank 1.4%.
As of June 30, 2026, F&M Bank and Trust Company reported a CET1 capital ratio of 15.38%, a return on assets of 0.92%, a nonperforming-loan ratio of 0.85% and a Texas ratio of 6.55%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, F&M Bank and Trust Company is the 131st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.9% to $182.4M, loans rose 3.5% and deposits fell 3.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.8% of total loans, followed by owner-occupied commercial real estate loans at 22.9%. The FDIC Summary of Deposits lists 3 offices for it, in Hannibal, MO and Monroe City, MO; its Hannibal 2 offices book 86% of its branch deposits. On its Q2 2026 call report, F&M Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 505 Broadway, Hannibal, MO 63401
- County
- Marion
- Metro Area
- Hannibal, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1886
- Former names
- MCM Savings Bank, F.S.B. (1991-2006)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $164.3M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $188.8M
- Average total loans
- $121.9M
- Average interest-bearing deposits
- $129.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30595
- Fed RSSD
- 413673
- Website
- www.bankfm.com →
- Parent Holding Company
- FARMERS & MERCHANTS BANCORP, INC. (RSSD 2737823)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, F&M Bank and Trust Company's total assets ran between $175.3M (Q3 2023) and $187.9M (Q1 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
$182.4M total assets against $182.7M; $165.2M total liabilities against $167.6M.
$123.2M net loans and leases against $114.0M; $164.3M total deposits against $166.7M.
$46.5M securities against $50.3M; $6.2M cash and balances due against $11.2M.
$2.2M total interest income against $2.1M; $663K total interest expense against $725K.
$1.6M net interest income against $1.4M.
$219K total noninterest income against $177K; $1.2M total noninterest expense against $1.1M.
$7K provision for credit losses against $5K.
$433K net income against $319K.
0.92% return on assets against 0.67%; 3.46% net interest margin against 3.03%.
15.38% CET1 capital ratio against 15.36%; 10.20% tier 1 leverage ratio against 9.61%.
Inside the full F&M Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeF&M Bank and Trust Company rankings
Its closest position to the top of a national ranking is 1,037 of 3,640, for Texas Ratio; its furthest is 2,676 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q3 2024) to 0.92% (Q2 2026) and its net interest margin ran from 2.76% (Q3 2024) to 3.46% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.38% | 0.92% | 0.85% | 6.55% | 3.46% |
| Q1 2026 | 15.61% | 0.84% | 0.88% | 7.33% | 3.39% |
| Q4 2025 | 15.76% | 0.83% | 0.92% | 7.52% | 3.34% |
| Q3 2025 | 15.35% | 0.72% | 0.92% | 7.87% | 3.22% |
| Q2 2025 | 15.36% | 0.67% | 0.94% | 8.51% | 3.03% |
| Q1 2025 | 15.29% | 0.66% | 0.00% | 1.79% | 3.02% |
| Q4 2024 | 15.27% | 0.72% | 0.49% | 5.44% | 2.94% |
| Q3 2024 | 14.91% | 0.57% | 0.07% | 2.02% | 2.76% |
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 Bank and Trust Company (main office) | Hannibal , MO | 63401 | $119.4M |
| F&M Bank and Trust Company Branch | Monroe City , MO | 63456 | $23.3M |
| F&M Bank and Trust Company Branch | Hannibal , MO | 63401 | $21.6M |
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 |
|---|---|---|---|
| October 8, 2016 | Structure Change | Acquired American Loan and Savings Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 16, 2006 | Structure Change | Acquired Farmers & Merchants Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 1 against individuals associated with it
- April 22, 2014, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): F&M Bank and Trust Company
- August 28, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): F&M Bank and Trust Company
- Period: Most recent institution action April 22, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 156 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $85K approved, $43K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 and Trust Company
What are F&M Bank and Trust Company's total assets?
As of the Q2 2026 filing, F&M Bank and Trust Company reported total assets of $182.4 million in its FFIEC call report.
Where is F&M Bank and Trust Company headquartered?
It is headquartered in Hannibal, MO, United States.
When was F&M Bank and Trust Company founded?
It was established in 1886, per the FDIC institution directory.
Is F&M Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #30595). 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 and Trust Company?
F&M Bank and Trust Company's primary federal regulator is the Federal Reserve.
What is F&M Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does F&M Bank and Trust Company 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 Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 6.55% 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 and Trust Company previously called?
The charter now named F&M Bank and Trust Company has also operated as MCM Savings Bank, F.S.B. (1991-2006), per FDIC structure-change records.
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