F&M Bank
Edmond, OK
IDRSSD: 163857
Total Assets
$809.54M
Latest filing
Total Deposits
$667.79M
Latest filing
Net Interest Margin
4.37%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
F&M Bank
17100 N May Ave
Edmond, OK 73012
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1902FDIC Certificate 8084
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| F&M Bank (Main) | 17100 N May Ave | Edmond, OK |
| PIEDMONT BRANCH | 1216 Piedmont Rd N | Piedmont, OK |
| KINGFISHER BRANCH | 601 S Main St | Kingfisher, OK |
| GUTHRIE BRANCH | 1800 E Oklahoma Ave | Guthrie, OK |
| SURREY BRANCH | 11000 Surrey Hills Blvd | Yukon, OK |
| SOUTH DIVISION BRANCH | 2211 S Division St | Guthrie, OK |
| WATERLOO BRANCH | 121 E Waterloo Rd | Edmond, OK |
| CRESCENT BRANCH | 116 S Grand St | Crescent, OK |
Showing 7 of 8
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73012 |
| State and County Number | 40109 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Oklahoma City, OK |
Operational Info
| Number of Employees | 108 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/01/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fmbankok.com |
| Data Updated | 01/30/2026 |
| CERT | 12761 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $809.54M |
| Total Deposits | $667.79M |
| Total Liabilities | $716.81M |
| Total Equity Capital | $92.73M |
| Net Income | $1.67M |
| Net Loans and Leases | $595.00M |
| Assets Per Employee ($Millions) | $6.86M |
| Bank Premises and Fixed Assets | $6.60M |
| Cash and Balances due from Depository Institutions | $47.91M |
| Deposits Held in Domestic Offices | $667.79M |
Key Performance Ratios
| Return on Assets (ROA) | 0.85% |
| Return on Equity (ROE) | 7.21% |
| Net Interest Margin | 4.37% |
| Efficiency Ratio | 62.2% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.82% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.454% |
| Earning Assets to total Assets | 90.85% |
Income and Expense
| Total Interest Income | $11.08M |
| Total Noninterest Income | $1.06M |
| Total Interest Expense | $3.15M |
| Total Noninterest Expense | $5.59M |
| Net Interest Income | $7.92M |
| Pre-tax Net Operating Income | $1.79M |
| Provision for Credit Losses | $1.61M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $37.78M |
| Federal Funds Sold & Reverse Repurchase Agreement | $111.00k |
| Federal Funds Purchased and Repurchased Agreement | $2.33M |
| All Other Liabilities | $8.91M |
| Total Liabilities and Capital | $809.54M |
Securities
| Securities | $129.39M |
| Available-for-sale debt securities | $111.47M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$809.54M as of the latest filing.
How much are F&M Bank's total deposits?
$667.79M in total deposits.
Where is F&M Bank located?
Edmond, OK.
What is the Net Interest Margin?
4.37%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
0.85%.
How much are total loans and leases?
$595.00M (latest filing).
What is the total interest income (latest filing)?
$11.08M.