F&M Bank and Trust Company
Hannibal, MO
IDRSSD: 413673
Total Assets
$185.27M
Latest filing
Total Deposits
$168.56M
Latest filing
Net Interest Margin
3.36%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
F&M Bank and Trust Company
505 Broadway
Hannibal, MO 63401
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1886FDIC Certificate 43429
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| F&M Bank and Trust Company (Main) | 505 Broadway | Hannibal, MO |
| F&M BANK AND TRUST COMPANY BRANCH | 4801 Mcmasters Ave | Hannibal, MO |
| F&M BANK AND TRUST COMPANY BRANCH | 902 Highway 24 And 36 E | Monroe City, MO |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1886 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63401 |
| State and County Number | 29127 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Hannibal, MO |
Operational Info
| Number of Employees | 35 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.bankfm.com |
| Data Updated | 11/14/2025 |
| CERT | 30595 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $185.27M |
| Total Deposits | $168.56M |
| Total Liabilities | $169.45M |
| Total Equity Capital | $15.81M |
| Net Income | $338.00k |
| Net Loans and Leases | $115.97M |
| Assets Per Employee ($Millions) | $5.61M |
| Bank Premises and Fixed Assets | $1.70M |
| Cash and Balances due from Depository Institutions | $11.82M |
| Deposits Held in Domestic Offices | $168.56M |
Key Performance Ratios
| Return on Assets (ROA) | 0.73% |
| Return on Equity (ROE) | 8.75% |
| Net Interest Margin | 3.36% |
| Efficiency Ratio | 69.92% |
| Tier 1 Risk-Based Capital Ratio | 15.353% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.536% |
| Earning Assets to total Assets | 94.53% |
Income and Expense
| Total Interest Income | $2.19M |
| Total Noninterest Income | $197.00k |
| Total Interest Expense | $731.00k |
| Total Noninterest Expense | $1.16M |
| Net Interest Income | $1.46M |
| Pre-tax Net Operating Income | $492.00k |
| Provision for Credit Losses | $5.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $226.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $35.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $895.00k |
| Total Liabilities and Capital | $185.27M |
Securities
| Securities | $50.55M |
| Available-for-sale debt securities | $44.61M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $5.87M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of F&M Bank and Trust Company?
$185.27M as of the latest filing.
How much are F&M Bank and Trust Company's total deposits?
$168.56M in total deposits.
Where is F&M Bank and Trust Company located?
Hannibal, MO.
What is the Net Interest Margin?
3.36%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1886.
What is the Return on Assets (ROA)?
0.73%.
How much are total loans and leases?
$115.97M (latest filing).
What is the total interest income (latest filing)?
$2.19M.