F&M Bank
Clarksville, TN
IDRSSD: 741330
Total Assets
$1.53B
Latest filing
Total Deposits
$1.36B
Latest filing
Net Interest Margin
3.64%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
F&M Bank
50 Franklin St
Clarksville, TN 37040
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1906FDIC Certificate 6368
Branches (18)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| F&M Bank (Main) | 50 Franklin St | Clarksville, TN |
| BUMPUS MILLS BRANCH | 3029 Highway 120 | Bumpus Mills, TN |
| DOVER BRANCH | One Donelson Parkway | Dover, TN |
| HILLDALE BRANCH | 1891 Madison St | Clarksville, TN |
| SPRINGFIELD BRANCH | 3519 Tom Austin Hwy | Springfield, TN |
| UFFELMAN BRANCH | 215 Uffelman Dr | Clarksville, TN |
| ST BETHLEHEM BRANCH | 2601 Wilma Rudolph Blvd | Clarksville, TN |
| DOVER ROAD BRANCH | 251 Dover Rd | Clarksville, TN |
Showing 7 of 18
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Legends Bank
Clarksville, Tennessee
→
Assets: $883.21MΔ -44.7%
Citizens Tri-County Bank
Dunlap, Tennessee
→
Assets: $1.55BΔ -2.9%
One Bank of Tennessee
Cookeville, Tennessee
→
Assets: $1.65BΔ +3.3%
Volunteer Bank
Nashville, Tennessee
→
Assets: $1.67BΔ +4.5%
Wellworth Bank
Lafayette, Tennessee
→
Assets: $1.71BΔ +7.3%
Security Bank and Trust Company
Paris, Tennessee
→
Assets: $1.48BΔ -7.3%
Institution Profile
| 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 | 11/14/2025 |
| 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 | $148.55M |
| Net Income | $3.94M |
| Net Loans and Leases | $1.16B |
| Assets Per Employee ($Millions) | $8.33M |
| Bank Premises and Fixed Assets | $60.47M |
| Cash and Balances due from Depository Institutions | $55.47M |
| Deposits Held in Domestic Offices | $1.36B |
Key Performance Ratios
| Return on Assets (ROA) | 1.01% |
| Return on Equity (ROE) | 10.93% |
| Net Interest Margin | 3.64% |
| Efficiency Ratio | 71.06% |
| Tier 1 Risk-Based Capital Ratio | 11.143% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.471% |
| Earning Assets to total Assets | 91.61% |
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 | $4.17M |
| Provision for Credit Losses | $-86,000 |
| 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 | $5.47M |
| Federal Funds Sold & Reverse Repurchase Agreement | $25.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $18.40M |
| Total Liabilities and Capital | $1.53B |
Securities
| Securities | $176.54M |
| Available-for-sale debt securities | $171.47M |
| 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?
$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?
3.64%.
How many domestic offices does it operate?
20.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
1.01%.
How much are total loans and leases?
$1.16B (latest filing).
What is the total interest income (latest filing)?
$20.94M.