FMB Bank

100 Veterans Memorial Parkway
Wright City, MO 63390

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12225
Date Established 1910
Assets $0.04 billion
Loans $0.02 billion
Deposits $0.03 billion
Capital $0.00 billion

FMB Bank is an FDIC insured institution located in Wright City, MO. It was founded in 1910 and has approximately $0.04 billion in assets.

For a more detailed analysis of FMB Bank'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 FMB Bank’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Missouri, FMB Bank has a significantly higher percent of Small Business 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 38.94
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 2.88
Small Business Loans 35.04
Construction and Development Loans 0.71
Commercial Real Estate 35.04
Commercial and Industrial Loans 18.51
Farm Loans 0.08

Deposit Rates - April 21, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $2,500 - Learn MoreShow Less
Premium Money Market Account
0.10% $10,000 $29,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.35% $500 $99,999 Learn MoreShow Less
12 Mo CD
0.40% $500 $99,999 Learn MoreShow Less
18 Mo CD
0.50% $500 $99,999 Learn MoreShow Less
24 Mo CD
0.75% $500 $99,999 Learn MoreShow Less
30 Mo CD
0.80% $500 $99,999 Learn MoreShow Less
36 Mo CD
1.00% $500 $99,999 Learn MoreShow Less
48 Mo CD
1.36% $500 $99,999 Learn MoreShow Less
60 Mo CD
1.76% $500 $99,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.40% $500 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - April 21, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for FMB 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
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: CL-2925. NMLSID#2925
4.031% 4.000% 0.38 $945 $1,194 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
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 FMB Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

FMB Bank 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:
Seattle,Washington


FMB Bank Locations


Financial Details

FMB Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FMB 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
FMB Bank U.S. Bank Average
13.3% 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, FMB Bank had $326,000 in non-current loans and $186,000 in owned real estate. To cover these potential losses it had $3,547,000 in equity and $302,000 in loans loss reserves. That gives it a Texas Ratio of 13.3%.

Return on Equity
FMB Bank U.S. Bank Average
1.49% 8.80%

FMB Bank has a Return on Equity of 1.49% 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
FMB Bank U.S. Bank Average
9.71% 12.29%

FMB Bank has a Capitalization of 9.71% 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.

FMB Bank Balance Sheet Analysis

As of December 31, 2018, FMB Bank had assets of $36,519,000, loans of $17,295,000, and deposits of $30,962,000. 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 $0.02 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 $0.03 billion
LIABILITIES
Total deposits $0.03 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.03 billion
      % insured (estimated) 81.93%
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 $0.03 billion
      Shareholders’ Equity $0.00 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 Fmb Bank

Branches and Savings

Is Fmb Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12225.

Why does Fmb Bank pay such low interest on savings accounts?

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

Why are Fmb Bank CD rates not competitive?

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

Is Fmb Bank a commercial bank?

Yes

Where are Fmb Bank locations?

See branch locations nearby.

Is Fmb Bank open on Saturdays?

Is Fmb Bank open on Sundays?

What time does Fmb Bank open?

What time does Fmb Bank close?

Are Fmb Bank ATMs Open 24/7?

Do Fmb Bank ATMs accept cash deposits?

Can Fmb Bank customers use other ATMs?

Do Fmb Bank branches have notaries?

Will Fmb Bank notarize my document?

What address for Fmb Bank should I put for incoming ACH transfers?

Will the Fmb Bank branch print checks?

Do Fmb Bank checks expire?

Does Fmb Bank require US citizenship to open account?

Can Fmb Bank close my account?

Does Fmb Bank Report to credit bureaus?

Does Fmb Bank Use Equifax?

What is Fmb Bank's ACH Routing Number?

What is Fmb Bank's SWIFT code?

Products

Does Fmb Bank offer mortgages?

Compare mortgage rates here.

Does Fmb Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fmb Bank offer personal loans?

Compare personal loan rates here.

Does Fmb Bank offer student loans?

Will Fmb Bank cash a check?

Will Fmb Bank redeem a savings bond?

Does Fmb Bank cash savings bonds?

Will Fmb Bank cash money orders?

Can Fmb Bank issue a money order?

Does Fmb Bank do currency exchange?

Background on The Bank

Who owns Fmb Bank?

How long has Fmb Bank been around?

Can Fmb Bank transfer to other banks?

Does Fmb Bank have quick pay?

Does Fmb Bank accept rolled coins?

Will Fmb Bank accept loose change?

Where is Fmb Bank headquarters?

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