F & M Community Bank, National Association
Preston, MN
IDRSSD: 171759
Total Assets
$213.56M
Latest filing
Total Deposits
$185.71M
Latest filing
Net Interest Margin
3.71%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
F & M Community Bank, National Association
100 Saint Anthony St N
Preston, MN 55965
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/11/1911FDIC Certificate 7022
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| F & M Community Bank, National Association (Main) | 100 Saint Anthony St N | Preston, MN |
| F & M COMMUNITY BANK, CHATFIELD BRANCH | 229 Main St N | Chatfield, MN |
| HWY 52 BRANCH | 1820 W Frontage Road | Rochester, MN |
Showing 2 of 2
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/11/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55965 |
| State and County Number | 27045 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Rochester, MN |
Operational Info
| Number of Employees | 40 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fmcommunity.com |
| Data Updated | 01/30/2026 |
| CERT | 10967 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $213.56M |
| Total Deposits | $185.71M |
| Total Liabilities | $196.61M |
| Total Equity Capital | $16.95M |
| Net Income | $433.00k |
| Net Loans and Leases | $150.50M |
| Assets Per Employee ($Millions) | $5.34M |
| Bank Premises and Fixed Assets | $7.59M |
| Cash and Balances due from Depository Institutions | $4.29M |
| Deposits Held in Domestic Offices | $185.71M |
Key Performance Ratios
| Return on Assets (ROA) | 0.83% |
| Return on Equity (ROE) | 10.31% |
| Net Interest Margin | 3.71% |
| Efficiency Ratio | 80.04% |
| 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 | 7.936% |
| Earning Assets to total Assets | 90.61% |
Income and Expense
| Total Interest Income | $2.47M |
| Total Noninterest Income | $413.00k |
| Total Interest Expense | $710.00k |
| Total Noninterest Expense | $1.74M |
| Net Interest Income | $1.76M |
| Pre-tax Net Operating Income | $433.00k |
| 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 | $0 |
| Other borrowed funds | $10.01M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.90M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $904.00k |
| Total Liabilities and Capital | $213.56M |
Securities
| Securities | $37.05M |
| Available-for-sale debt securities | $37.05M |
| 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 Community Bank, National Association?
$213.56M as of the latest filing.
How much are F & M Community Bank, National Association's total deposits?
$185.71M in total deposits.
Where is F & M Community Bank, National Association located?
Preston, MN.
What is the Net Interest Margin?
3.71%.
How many domestic offices does it operate?
3.
When was it established?
03/11/1911.
What is the Return on Assets (ROA)?
0.83%.
How much are total loans and leases?
$150.50M (latest filing).
What is the total interest income (latest filing)?
$2.47M.