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F&M Bank And Trust Company
Hannibal, MO · FDIC Certificate #30595 · Chartered 01/0
Total assets
$182.36M
Total deposits
$164.32M
Total equity
$17.13M
Net loans
$123.17M
Branches (offices)
3
Net income (YTD)
$827.00K
Rank: #3,098 of 4,213 U.S. banks by assets · #131 of 190 in Missouri. Assets changed -0.2% and deposits -1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.90% |
| Return on equity | 9.83% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 9.39% |
| Tier 1 leverage ratio | 10.20% |
| Uninsured deposits (share of deposits) | 14.2% |
| Noncurrent loans (share of loans) | 0.85% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 75.0% |
| Real estate loans (share of loans) | 85.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $104.96M | 85.2% | |
| Commercial & industrial | $16.22M | 13.2% | |
| Consumer / individual | $3.01M | 2.4% | |
| Construction & development | $6.86M | 5.6% | |
| Agricultural | $46.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $160.12M | $147.57M | $423.00K | $10.94M |
| Jun 2023 | $172.17M | $159.06M | $462.00K | $11.14M |
| Jun 2024 | $176.71M | $163.31M | $455.00K | $12.68M |
| Jun 2025 | $182.65M | $166.73M | $624.00K | $15.09M |
| Jun 2026 | $182.36M | $164.32M | $827.00K | $17.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $164.32M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $164.32M.
Similar-sized banks
First Federal Bank, A FSB ($182.60M) · First National Bank Of Bosque County ($182.29M)
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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