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F&M Bank
Edmond, OK · FDIC Certificate #12761 · Chartered 01/0
Total assets
$915.29M
Total deposits
$799.00M
Total equity
$95.95M
Net loans
$648.04M
Branches (offices)
11
Net income (YTD)
$5.48M
Rank: #1,127 of 4,213 U.S. banks by assets · #31 of 168 in Oklahoma. Assets changed 20.6% and deposits 22.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 11.58% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 10.48% |
| Tier 1 leverage ratio | 10.00% |
| Uninsured deposits (share of deposits) | 25.1% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 1.85% |
| Loans to deposits | 81.1% |
| Real estate loans (share of loans) | 55.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $361.18M | 55.7% | |
| Commercial & industrial | $110.15M | 17.0% | |
| Consumer / individual | $8.13M | 1.3% | |
| Construction & development | $83.26M | 12.8% | |
| Agricultural | $22.70M | 3.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $637.15M | $559.54M | $4.61M | $57.05M |
| Jun 2023 | $685.07M | $591.79M | $5.96M | $65.83M |
| Jun 2024 | $746.88M | $646.44M | $5.91M | $76.76M |
| Jun 2025 | $758.64M | $652.89M | $7.00M | $89.13M |
| Jun 2026 | $915.29M | $799.00M | $5.48M | $95.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $799.00M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $799.00M.
Similar-sized banks
Finwise Bank ($915.48M) · Lindell Bank & Trust Company ($915.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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