F&M Bank is an FDIC insured institution headquartered at
17100 N May Ave, Edmond, OK 73012.
It was founded in
1902 and has approximately $1 billion in assets. Customers can open an account at one of its 8 branches.
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 12761
Date Established
1902
Assets
$ 757.98 million
Loans
$ 569.78 million
Deposits
$ 622.92 million
Capital
$ 92.04 million
Summary Balance Sheet as of September 30, 2025
ASSETS
Cash & Balances due from depository institutions
$ 16.64 million
Interest-bearing balances
$ 11.15 million
Total securities
$ 135.17 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 569.78 million
Loan loss allowance
$ 8.08 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
N.A.
All other assets
$ 16.81 million
Total Assets
$ 665.94 million
LIABILITIES
Total deposits
$ 622.92 million
Interest-bearing deposits
$ 468.03 million
Deposits held in domestic offices
$ 622.92 million
% insured (estimated)"
74.97%
Federal funds purchased and repurchase agreements
$ 8.05 million
Trading liabilities
N.A.
Other borrowed funds
$ 9.41 million
Subordinated debt
N.A.
All other liabilities
$ 3.14 millionn
Total Liabilities
$ 665.94 million
Shareholders’ Equity
$ 92.04 million
Summary Income Statement as of September 30, 2025
INCOME AND EXPENSES
Total Interest Income
$ 32.50 million
Total Interest Expense
$ 9.62 million
Net interest income
$ 22.88 million
Provision for loan and lease losses
$ 1.49 million
Total non interest income
$ 3.35 million
Total non interest expense
$ 14.84 million
Pre-tax Net Operating Income
$ 4.79 million
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Branches
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