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F&M Bank

Edmond, OK
IDRSSD: 163857
Total Assets
$757.98M
Latest filing
Total Deposits
$622.92M
Latest filing
Net Interest Margin
4.33%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1902
Community BankYes
Ownership TypeNot Mutual
ZIP73012
State and County Number40109
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number10
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameOklahoma City, OK

Operational Info

Number of Employees112
Domestic Offices9
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date11/01/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitehttp://www.fmbankok.com
Data Updated11/14/2025
CERT12761
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$757.98M
Total Deposits$622.92M
Total Liabilities$665.94M
Total Equity Capital$92.04M
Net Income$2.53M
Net Loans and Leases$569.78M
Assets Per Employee ($Millions)$7.02M
Bank Premises and Fixed Assets$6.68M
Cash and Balances due from Depository Institutions$16.64M
Deposits Held in Domestic Offices$622.92M

Key Performance Ratios

Return on Assets (ROA)1.33%
Return on Equity (ROE)11.17%
Net Interest Margin4.33%
Efficiency Ratio59.03%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.54%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.142%
Earning Assets to total Assets94.47%

Income and Expense

Total Interest Income$10.94M
Total Noninterest Income$1.20M
Total Interest Expense$3.21M
Total Noninterest Expense$5.27M
Net Interest Income$7.73M
Pre-tax Net Operating Income$2.63M
Provision for Credit Losses$1.03M
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$26.52M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$8.05M
All Other Liabilities$8.45M
Total Liabilities and Capital$757.98M

Securities

Securities$135.17M
Available-for-sale debt securities$117.25M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$17.92M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of F&M Bank?
$757.98M as of the latest filing.
How much are F&M Bank's total deposits?
$622.92M in total deposits.
Where is F&M Bank located?
Edmond, OK.
What is the Net Interest Margin?
4.33%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
1.33%.
How much are total loans and leases?
$569.78M (latest filing).
What is the total interest income (latest filing)?
$10.94M.