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F&M Bank

West Point, NE
IDRSSD: 542153
Total Assets
$340.36M
Latest filing
Total Deposits
$297.29M
Latest filing
Net Interest Margin
4.44%
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 Date01/01/1931
Community BankNo
Ownership TypeNot Mutual
ZIP68788
State and County Number31039
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 DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees61
Domestic Offices6
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance12/04/1934
Primary Insurance AgencyDIF
Websitewww.fmbankne.bank
Data Updated11/14/2025
CERT14922
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$340.36M
Total Deposits$297.29M
Total Liabilities$298.90M
Total Equity Capital$41.45M
Net Income$1.22M
Net Loans and Leases$282.11M
Assets Per Employee ($Millions)$5.58M
Bank Premises and Fixed Assets$6.56M
Cash and Balances due from Depository Institutions$28.39M
Deposits Held in Domestic Offices$297.29M

Key Performance Ratios

Return on Assets (ROA)1.43%
Return on Equity (ROE)11.95%
Net Interest Margin4.44%
Efficiency Ratio67.96%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.18%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.18%
Earning Assets to total Assets93.78%

Income and Expense

Total Interest Income$4.89M
Total Noninterest Income$834.00k
Total Interest Expense$1.35M
Total Noninterest Expense$2.97M
Net Interest Income$3.54M
Pre-tax Net Operating Income$1.25M
Provision for Credit Losses$150.00k
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$330.00k
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.28M
Total Liabilities and Capital$340.36M

Securities

Securities$17.12M
Available-for-sale debt securities$17.12M
Equity securities with readily determinable fair values not held for trading$0
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?
$340.36M as of the latest filing.
How much are F&M Bank's total deposits?
$297.29M in total deposits.
Where is F&M Bank located?
West Point, NE.
What is the Net Interest Margin?
4.44%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1931.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$282.11M (latest filing).
What is the total interest income (latest filing)?
$4.89M.