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F&M Bank
Falls City, NE · FDIC Certificate #5401 · Chartered 01/0
Total assets
$135.28M
Total deposits
$115.09M
Total equity
$15.93M
Net loans
$55.45M
Branches (offices)
2
Net income (YTD)
$989.00K
Rank: #3,424 of 4,213 U.S. banks by assets · #96 of 138 in Nebraska. Assets changed -8.2% and deposits -10.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 12.69% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 11.78% |
| Tier 1 leverage ratio | 11.63% |
| Uninsured deposits (share of deposits) | 32.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 48.2% |
| Real estate loans (share of loans) | 67.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $37.18M | 67.1% | |
| Commercial & industrial | $3.83M | 6.9% | |
| Consumer / individual | $1.87M | 3.4% | |
| Construction & development | $2.91M | 5.2% | |
| Agricultural | $13.41M | 24.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $140.25M | $125.31M | $536.00K | $11.13M |
| Jun 2023 | $135.29M | $121.31M | $799.00K | $12.23M |
| Jun 2024 | $127.14M | $110.24M | $751.00K | $14.09M |
| Jun 2025 | $147.33M | $128.36M | $755.00K | $15.13M |
| Jun 2026 | $135.28M | $115.09M | $989.00K | $15.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $115.09M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $115.09M.
Similar-sized banks
The Peoples Bank ($135.31M) · Chillicothe State Bank ($135.18M)
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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