FMB Bank
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Data as of · sourced from FFIEC call reports. How we update
FMB Bank is an FDIC-insured commercial bank headquartered in Wright City, MO, established in 1910 (FDIC certificate 12225), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $51.2M, up 6.5% from Q2 2025, the 190th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 14.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12225
- Headquarters
- Wright City, MO
- Established
- 1910
- Total assets, Q2 2026
- $51.2M
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 14.55%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081907847
- Holding company
- FARMERS & MERCHANTS BANCSHARES, INC.
- Asset rank in state
- 190th of 191 in Missouri
FMB Bank operates with a thinner capital cushion than most banks of its size. The Wright City, Missouri bank had $51 million in assets at June 30, 2026, up 6.5% from a year earlier. It funds 7.49% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). On the other hand, it pays an average of 0.89% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.53%).
Earnings jumped: net income for the quarter was $26,000, 73% above the same quarter a year earlier. Over the same year, loans grew 2.3% and deposits grew 5.8%. Profitability lags: it earns about $0.20 a year on every $100 of assets, a small fraction of the median of $1.06 for banks its size.
As of June 30, 2026, FMB Bank reported a CET1 capital ratio of 14.55%, a return on assets of 0.20%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, FMB Bank is the 190th largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets fell 3.7% to $51.2M, loans rose 12.5% and deposits fell 4.0%. 1-4 family residential loans made up 51.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.8%. The FDIC Summary of Deposits lists a single office for it, in Wright City, MO. By the capital ratios in its Q2 2026 call report, FMB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Veterans Memorial Pkwy, Wright City, MO 63390
- County
- Warren
- Metro Area
- St. Louis, MO-IL
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 10, 1910
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $47.6M
- Allowance for credit losses
- $149K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $52.8M
- Average total loans
- $13.4M
- Average interest-bearing deposits
- $35.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12225
- Fed RSSD
- 509857
- Website
- www.fmb-bank.com →
- Parent Holding Company
- FARMERS & MERCHANTS BANCSHARES, INC. (RSSD 1099225)
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
FMB Bank's total assets moved between a low of $40.9M (Q4 2025) and a high of $53.9M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$51.2M total assets against $48.1M; $47.7M total liabilities against $45.1M.
$15.2M net loans and leases against $14.8M; $47.6M total deposits against $45.0M.
$21.1M securities against $21.3M; $10.6M cash and balances due against $7.6M.
$521K total interest income against $506K; $136K total interest expense against $154K.
$385K net interest income against $352K.
$70K total noninterest income against $65K; $391K total noninterest expense against $408K.
$26K provision for credit losses against $2K.
$26K net income against $15K.
0.20% return on assets against 0.13%; 3.36% net interest margin against 3.18%.
14.55% CET1 capital ratio against 12.87%; 7.49% tier 1 leverage ratio against 7.72%.
Inside the full FMB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.42% (Q4 2024) to 1.73% (Q3 2025) and its net interest margin ran from 2.62% (Q4 2024) to 4.01% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.55% | 0.20% | 0.01% | 0.05% | 3.36% |
| Q1 2026 | 15.41% | 0.22% | 0.01% | 0.06% | 3.20% |
| Q4 2025 | 14.90% | 0.17% | 0.02% | 0.08% | 3.47% |
| Q3 2025 | 14.13% | 1.73% | 0.02% | 0.08% | 4.01% |
| Q2 2025 | 12.87% | 0.13% | 0.01% | 0.06% | 3.18% |
| Q1 2025 | 13.49% | 0.08% | 0.08% | 0.39% | 2.95% |
| Q4 2024 | 14.12% | -0.42% | 0.11% | 0.53% | 2.62% |
| Q3 2024 | 13.30% | 0.38% | 0.10% | 0.46% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| FMB Bank (main office) | Wright City , MO | 63390 | $47.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 234 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 FMB Bank
What are FMB Bank's total assets?
As of the Q2 2026 filing, FMB Bank reported total assets of $51.2 million in its FFIEC call report.
Where is FMB Bank headquartered?
It is headquartered in Wright City, MO, United States.
When was FMB Bank founded?
It was established in 1910, per the FDIC institution directory.
Is FMB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FMB Bank?
FMB Bank's primary federal regulator is the FDIC.
What is FMB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FMB Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FMB Bank's Texas Ratio?
Its Texas Ratio is 0.05% 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.
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