F&M Bank
Clarksville, TN
IDRSSD: 741330
Total Assets
$1.55B
Latest filing
Total Deposits
$1.37B
Latest filing
Net Interest Margin
3.62%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
064103367CLARKSVILLE, TN
Key People
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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 | 01/01/1906 |
| 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 | Institution closed or not insured by FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Clarksville, TN-KY |
Operational Info
| Number of Employees | 184 |
| Domestic Offices | 19 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2026 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 01/30/2026 |
| CERT | 9963 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.55B |
| Total Deposits | $1.37B |
| Total Liabilities | $1.39B |
| Total Equity Capital | $160.37M |
| Net Income | $2.76M |
| Net Loans and Leases | $1.14B |
| Assets Per Employee ($Millions) | $8.61M |
| Bank Premises and Fixed Assets | $58.29M |
| Cash and Balances due from Depository Institutions | $108.82M |
| Deposits Held in Domestic Offices | $1.37B |
Key Performance Ratios
| Return on Assets (ROA) | 0.72% |
| Return on Equity (ROE) | 7.36% |
| Net Interest Margin | 3.62% |
| Efficiency Ratio | 78.51% |
| Tier 1 Risk-Based Capital Ratio | 12.269% |
| 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 | 10.138% |
| Earning Assets to total Assets | 91.7% |
Income and Expense
| Total Interest Income | $20.09M |
| Total Noninterest Income | $1.23M |
| Total Interest Expense | $7.30M |
| Total Noninterest Expense | $11.12M |
| Net Interest Income | $12.78M |
| Pre-tax Net Operating Income | $2.89M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.35M |
| Other borrowed funds | $4.81M |
| Federal Funds Sold & Reverse Repurchase Agreement | $25.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $17.60M |
| Total Liabilities and Capital | $1.55B |
Securities
| Securities | $152.89M |
| Available-for-sale debt securities | $147.76M |
| 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?
$1.55B as of the latest filing.
How much are F&M Bank's total deposits?
$1.37B in total deposits.
Where is F&M Bank located?
Clarksville, TN.
What is the Net Interest Margin?
3.62%.
How many domestic offices does it operate?
19.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
0.72%.
How much are total loans and leases?
$1.14B (latest filing).
What is the total interest income (latest filing)?
$20.09M.