Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	01/01/1906
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	37040
State and County Number	47125
Subchapter S Corporations	Yes
Trust Powers	Trust Powers Grandfathered
Federal Reserve ID Number	06
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	Clarksville, TN-KY

Operational Info

Number of Employees	188
Domestic Offices	20
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	04/25/2025
Date of Deposit Insurance	01/01/1934
Primary Insurance Agency	DIF
Website	www.myfmbank.com
Data Updated	10/31/2025
CERT	9963
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$1.53B
Total Deposits	$1.36B
Total Liabilities	$1.38B
Total Equity Capital	$0
Net Income	$3.94M
Net Loans and Leases	$1.16B
Assets Per Employee ($Millions)	$0M
Bank Premises and Fixed Assets	$0
Cash and Balances due from Depository Institutions	$0
Deposits Held in Domestic Offices	$0

Key Performance Ratios

Return on Assets (ROA)	0%
Return on Equity (ROE)	0%
Net Interest Margin	0%
Efficiency Ratio	0%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	0%
Earning Assets to total Assets	0%

Income and Expense

Total Interest Income	$20.94M
Total Noninterest Income	$1.44M
Total Interest Expense	$7.88M
Total Noninterest Expense	$10.43M
Net Interest Income	$13.06M
Pre-tax Net Operating Income	$0
Provision for Credit Losses	$0
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	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$0
Total Liabilities and Capital	$0

Securities

Securities	$0
Available-for-sale debt securities	$0
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

About F&M Bank

Explore the latest call report data for F&M Bank. Review total assets, deposits, income and expense breakdowns, and trends over time. Compare with similar institutions in the same city, state, and asset tier.

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Frequently Asked Questions

What are the total assets of F&M Bank?

$1.53B as of the latest filing.

How much are F&M Bank's total deposits?

$1.36B in total deposits.

Where is F&M Bank located?

Clarksville, TN.

What is the Net Interest Margin?

Not available.

Is this bank FDIC insured?

Institutions that are currently open and insured by the FDIC.

How many domestic offices does it operate?

20.

When was it established?

01/01/1906.

Who is the primary regulator?

FDIC.