Advertisement
F&M Bank
West Point, NE · FDIC Certificate #14922 · Chartered 01/0
Total assets
$354.60M
Total deposits
$311.56M
Total equity
$41.31M
Net loans
$292.71M
Branches (offices)
6
Net income (YTD)
$3.33M
Rank: #2,233 of 4,213 U.S. banks by assets · #57 of 138 in Nebraska. Assets changed 4.6% and deposits 4.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.83% |
| Return on equity | 16.82% |
| Net interest margin (YTD) | 4.12% |
| Equity to assets | 11.65% |
| Tier 1 leverage ratio | 11.76% |
| Uninsured deposits (share of deposits) | 18.5% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 93.9% |
| Real estate loans (share of loans) | 62.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $181.59M | 62.0% | |
| Commercial & industrial | $13.46M | 4.6% | |
| Consumer / individual | $1.66M | 0.6% | |
| Construction & development | $56.17M | 19.2% | |
| Agricultural | $98.46M | 33.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $362.78M | $324.73M | $2.00M | $33.77M |
| Jun 2023 | $348.25M | $310.92M | $2.27M | $34.94M |
| Jun 2024 | $333.02M | $292.35M | $2.64M | $37.36M |
| Jun 2025 | $338.85M | $296.96M | $3.06M | $40.11M |
| Jun 2026 | $354.60M | $311.56M | $3.33M | $41.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $309.96M | 5 |
| Iowa | $1.60M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $311.56M.
Similar-sized banks
Sooner State Bank ($354.63M) · Frazer Bank ($354.25M)
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.
Advertisement