F&M Bank


ACH Number: 104900802

F&M Bank is an FDIC insured institution headquartered at 1701 Stone St, Falls City, NE 68355.
It was founded in 1882 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - March 19, 2026

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10,000 Compare
6 Mo CD
0.40% $100,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.45% $100,000 Compare
18 Mo CD
0.30% $10,000 Compare
18 Mo CD
0.50% $100,000 Compare
24 Mo CD
0.40% $10,000 Compare
24 Mo CD
0.60% $100,000 Compare
30 Mo CD
0.40% $10,000 Compare
30 Mo CD
0.60% $100,000 Compare
36 Mo CD
0.50% $10,000 Compare
36 Mo CD
0.70% $100,000 Compare
48 Mo CD
0.60% $10,000 Compare
48 Mo CD
0.80% $100,000 Compare
60 Mo CD
0.80% $10,000 Compare
60 Mo CD
1.00% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.01% $1
Int Ckg
0.05% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5401
Date Established 1882
Assets $ 127.47 million
Loans $ 58.53 million
Deposits $ 107.47 million
Capital $ 15.85 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 30.01 million
Interest-bearing balances $ 28.94 million
Total securities $ 34.71 million
Federal funds sold and reverse repurchase $ 0.98 million
Net loans and leases $ 58.53 million
Loan loss allowance $ 1.10 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 $ 0.97 million
     Total Assets $ 111.61 million

LIABILITIES
Total deposits $ 107.47 million
      Interest-bearing deposits $ 84.84 million
      Deposits held in domestic offices $ 107.47 million
      % insured (estimated)" 71.45%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 3.70 million
Subordinated debt N.A.
All other liabilities $ 0.11 millionn
      Total Liabilities $ 111.61 million
      Shareholders’ Equity $ 15.85 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 4.51 million
Total Interest Expense $ 1.23 million
Net interest income $ 3.29 million
Provision for loan and lease losses $ 0.08 million
Total non interest income $ 0.27 million
Total non interest expense $ 2.19 million
Pre-tax Net Operating Income $ 0.56 million

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Branches

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F&M Bank Locations