F&M Bank

204 North Main Street
West Point, NE 68788


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14922
Date Established 1931
Assets $0.28 billion
Loans $0.22 billion
Deposits $0.25 billion
Capital $0.03 billion

F&M Bank is an FDIC insured institution located in West Point, NE. It was founded in 1931 and has approximately $0.28 billion in assets. Customers can open an account at one of its 6 branches.

For a more detailed analysis of F&M Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 17, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.85% $2,500 $24,999 Learn MoreShow Less
Money Market
1.35% $25,000 $74,999 Learn MoreShow Less
1.25% $500 $24,999 Learn MoreShow Less
3 Mo CD
1.55% $75,000 - Learn MoreShow Less
1.60% $500 $24,999 Learn MoreShow Less
6 Mo CD
1.85% $75,000 - Learn MoreShow Less
1.75% $500 $24,999 Learn MoreShow Less
12 Mo CD
1.95% $75,000 - Learn MoreShow Less
1.80% $500 $24,999 Learn MoreShow Less
18 Mo CD
2.00% $75,000 - Learn MoreShow Less
1.80% $500 $24,999 Learn MoreShow Less
24 Mo CD
2.00% $75,000 - Learn MoreShow Less
1.80% $500 $24,999 Learn MoreShow Less
1.80% $500 $24,999 Learn MoreShow Less
36 Mo CD
2.00% $75,000 - Learn MoreShow Less
1.80% $500 $24,999 Learn MoreShow Less
48 Mo CD
2.00% $75,000 - Learn MoreShow Less
1.80% $500 $24,999 Learn MoreShow Less
60 Mo CD
2.00% $75,000 - Learn MoreShow Less

1.75% $500 $24,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.80% $500 $24,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.30% $1 $2,499 Learn MoreShow Less
0.60% $2,500 $24,999 Learn MoreShow Less

Loan Rates - October 17, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for F&M Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Infinity Mortgage Group
NMLS ID: 35972
License#: NMLS 35972
3.554% 3.500% 0.25 $1,714 $1,123 Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.515% 3.500% 0.25 $478 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
First Internet Bank
NMLS ID: 424182
3.662% 3.625% 0.50 $1,148 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to F&M Bank
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F&M Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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F&M Bank Locations

Financial Details

F&M Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of F&M Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
F&M Bank U.S. Bank Average
0% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, F&M Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $28,919,000 in equity and $2,645,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
F&M Bank U.S. Bank Average
14.85% 9.50%

F&M Bank has a Return on Equity of 14.85% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

F&M Bank U.S. Bank Average
10.38% 12.76%

F&M Bank has a Capitalization of 10.38% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

F&M Bank Balance Sheet Analysis

As of June 30, 2019, F&M Bank had assets of $278,699,000, loans of $215,764,000, and deposits of $247,206,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.22 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.25 billion
Total deposits $0.25 billion
      Interest-bearing deposits $0.18 billion
      Deposits held in domestic offices $0.25 billion
      % insured (estimated) 84.07%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.25 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in F&M Bank’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Nebraska, F&M Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.92
Credit Card Loans 0.00
Consumer Auto Loans 0.53
Small Business Loans 5.81
Construction and Development Loans 11.36
Commercial Real Estate 11.28
Commercial and Industrial Loans 6.34
Farm Loans 31.96

Frequently Asked Questions About F&m Bank

Branches and Savings

Is F&m Bank FDIC insured?

Yes. It is covered under FDIC Certificate #14922.

Why does F&m Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are F&m Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is F&m Bank a commercial bank?


Where are F&m Bank locations?

See branch locations nearby.

Is F&m Bank open on Saturdays?

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Are F&m Bank ATMs Open 24/7?

Do F&m Bank ATMs accept cash deposits?

Can F&m Bank customers use other ATMs?

Do F&m Bank branches have notaries?

Will F&m Bank notarize my document?

What address for F&m Bank should I put for incoming ACH transfers?

Will the F&m Bank branch print checks?

Do F&m Bank checks expire?

Does F&m Bank require US citizenship to open account?

Can F&m Bank close my account?

Does F&m Bank Report to credit bureaus?

Does F&m Bank Use Equifax?

What is F&m Bank's ACH Routing Number?

What is F&m Bank's SWIFT code?


Does F&m Bank offer mortgages?

Compare mortgage rates here.

Does F&m Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does F&m Bank offer personal loans?

Compare personal loan rates here.

Does F&m Bank offer student loans?

Will F&m Bank cash a check?

Will F&m Bank redeem a savings bond?

Does F&m Bank cash savings bonds?

Will F&m Bank cash money orders?

Can F&m Bank issue a money order?

Does F&m Bank do currency exchange?

Background on The Bank

Who owns F&m Bank?

How long has F&m Bank been around?

Can F&m Bank transfer to other banks?

Does F&m Bank have quick pay?

Does F&m Bank accept rolled coins?

Will F&m Bank accept loose change?

Where is F&m Bank headquarters?

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