F&M Bank and Trust Company

505 Broadway
Hannibal, MO 63401

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30595
Date Established 1886
Assets $0.13 billion
Loans $0.10 billion
Deposits $0.11 billion
Capital $0.01 billion

F&M Bank and Trust Company is an FDIC insured institution located in Hannibal, MO. It was founded in 1886 and has approximately $0.13 billion in assets. Customers can open an account at one of its 3 branches.

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

Bank Loan Profile?

The top three loan types in F&M Bank and Trust Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Missouri, F&M Bank and Trust Company has a significantly higher percent of 1-4 Family Residential 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 54.90
Multifamily
Mortgages
1.61
Credit Card Loans 0.00
Consumer Auto Loans 3.42
Small Business Loans 15.09
Construction and Development Loans 2.01
Commercial Real Estate 29.42
Commercial and Industrial Loans 5.68
Farm Loans 1.00

Deposit Rates - April 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $2,500 $19,999 Learn MoreShow Less
Money Market
0.10% $20,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $2,500 - Learn MoreShow Less
6 Mo CD
0.15% $2,500 - Learn MoreShow Less
12 Mo CD
0.25% $1,000 - Learn MoreShow Less
18 Mo CD
0.35% $1,000 - Learn MoreShow Less
24 Mo CD
0.50% $1,000 - Learn MoreShow Less
30 Mo CD
2.57% $1,000 - Learn MoreShow Less
36 Mo CD
0.85% $1,000 - Learn MoreShow Less
48 Mo CD
1.11% $1,000 - Learn MoreShow Less
60 Mo CD
1.26% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.25% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $500 - Learn MoreShow Less

Loan Rates - April 21, 2019

Your Current Location: Virginia, VA 20146

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

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to F&M Bank and Trust Company
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Branches

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

Your Location:
Ashburn,Virginia


F&M Bank and Trust Company Locations


Financial Details

F&M Bank and Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of F&M Bank and Trust Company. 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 and Trust Company U.S. Bank Average
2.86% 6.97%

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 December 31, 2018, F&M Bank and Trust Company had $165,000 in non-current loans and $250,000 in owned real estate. To cover these potential losses it had $13,178,000 in equity and $1,325,000 in loans loss reserves. That gives it a Texas Ratio of 2.86%.

Return on Equity
F&M Bank and Trust Company U.S. Bank Average
7.73% 8.80%

F&M Bank and Trust Company has a Return on Equity of 7.73% versus the BestCashCow average of 8.80%. 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.

Capitalization
F&M Bank and Trust Company U.S. Bank Average
10.33% 12.29%

F&M Bank and Trust Company has a Capitalization of 10.33% versus the BestCashCow average of 12.29. 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 and Trust Company Balance Sheet Analysis

As of December 31, 2018, F&M Bank and Trust Company had assets of $127,530,000, loans of $99,754,000, and deposits of $113,493,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 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 $0.11 billion
LIABILITIES
Total deposits $0.11 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.11 billion
      % insured (estimated) 79.27%
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 $0.11 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 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

Frequently Asked Questions About F&m Bank And Trust Company

Branches and Savings

Is F&m Bank And Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #30595.

Why does F&m Bank And Trust Company 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 And Trust Company CD rates not competitive?

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

Is F&m Bank And Trust Company a commercial bank?

Yes

Where are F&m Bank And Trust Company locations?

See branch locations nearby.

Is F&m Bank And Trust Company open on Saturdays?

Is F&m Bank And Trust Company open on Sundays?

What time does F&m Bank And Trust Company open?

What time does F&m Bank And Trust Company close?

Are F&m Bank And Trust Company ATMs Open 24/7?

Do F&m Bank And Trust Company ATMs accept cash deposits?

Can F&m Bank And Trust Company customers use other ATMs?

Do F&m Bank And Trust Company branches have notaries?

Will F&m Bank And Trust Company notarize my document?

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

Will the F&m Bank And Trust Company branch print checks?

Do F&m Bank And Trust Company checks expire?

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

Can F&m Bank And Trust Company close my account?

Does F&m Bank And Trust Company Report to credit bureaus?

Does F&m Bank And Trust Company Use Equifax?

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

What is F&m Bank And Trust Company's SWIFT code?

Products

Does F&m Bank And Trust Company offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does F&m Bank And Trust Company offer personal loans?

Compare personal loan rates here.

Does F&m Bank And Trust Company offer student loans?

Will F&m Bank And Trust Company cash a check?

Will F&m Bank And Trust Company redeem a savings bond?

Does F&m Bank And Trust Company cash savings bonds?

Will F&m Bank And Trust Company cash money orders?

Can F&m Bank And Trust Company issue a money order?

Does F&m Bank And Trust Company do currency exchange?

Background on The Bank

Who owns F&m Bank And Trust Company?

How long has F&m Bank And Trust Company been around?

Can F&m Bank And Trust Company transfer to other banks?

Does F&m Bank And Trust Company have quick pay?

Does F&m Bank And Trust Company accept rolled coins?

Will F&m Bank And Trust Company accept loose change?

Where is F&m Bank And Trust Company headquarters?

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