F&M Bank
West Point, NE
IDRSSD: 542153
Total Assets
$377.44M
Latest filing
Total Deposits
$335.10M
Latest filing
Net Interest Margin
4.27%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
104901513WEST POINT, NE104903362MILFORD, NE
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
F&M Bank
204 N Main St
West Point, NE 68788
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1931FDIC Certificate 9348
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| F&M Bank (Main) | 204 N Main St | West Point, NE |
| SOUTH SIOUX CITY DOWNTOWN BRANCH | 2024 Dakota Ave | South Sioux City, NE |
| SOUTH SIOUX CITY SOUTHRIDGE BRANCH | 3300 Plaza Dr | South Sioux City, NE |
| WAYNE BRANCH | 321 Main St | Wayne, NE |
| GRETNA BRANCH | 11504 Willow Park Dr | Gretna, NE |
| SIOUX CITY 3RD & VIRGINIA | 930 3rd St | Sioux City, IA |
Showing 5 of 5
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 | 01/01/1931 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 68788 |
| State and County Number | 31039 |
| 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 | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 61 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 12/04/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fmbankne.bank |
| Data Updated | 01/30/2026 |
| CERT | 14922 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $377.44M |
| Total Deposits | $335.10M |
| Total Liabilities | $339.44M |
| Total Equity Capital | $38.00M |
| Net Income | $1.48M |
| Net Loans and Leases | $295.82M |
| Assets Per Employee ($Millions) | $6.4M |
| Bank Premises and Fixed Assets | $6.40M |
| Cash and Balances due from Depository Institutions | $57.34M |
| Deposits Held in Domestic Offices | $335.10M |
Key Performance Ratios
| Return on Assets (ROA) | 1.65% |
| Return on Equity (ROE) | 14.94% |
| Net Interest Margin | 4.27% |
| Efficiency Ratio | 64.65% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.068% |
| Earning Assets to total Assets | 94.4% |
Income and Expense
| Total Interest Income | $5.03M |
| Total Noninterest Income | $860.00k |
| Total Interest Expense | $1.43M |
| Total Noninterest Expense | $2.89M |
| Net Interest Income | $3.60M |
| Pre-tax Net Operating Income | $1.48M |
| Provision for Credit Losses | $100.00k |
| 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 | $3.27M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.06M |
| Total Liabilities and Capital | $377.44M |
Securities
| Securities | $11.64M |
| Available-for-sale debt securities | $11.64M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of F&M Bank?
$377.44M as of the latest filing.
How much are F&M Bank's total deposits?
$335.10M in total deposits.
Where is F&M Bank located?
West Point, NE.
What is the Net Interest Margin?
4.27%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1931.
What is the Return on Assets (ROA)?
1.65%.
How much are total loans and leases?
$295.82M (latest filing).
What is the total interest income (latest filing)?
$5.03M.