F&M Bank and Trust Company

BankHannibal, Missouri
www.bankfm.com

Total Assets

$182.1M

Total Deposits

$164.6M

Branches

3

Established

1886

TFS Health Grade

$
C-

72.8 / 100

Average financial health

How we grade

F&M Bank and Trust Company is a bank headquartered in Hannibal, Missouri, established in 1886. With $182.1M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C- (72.8/100).

Capital & Safety

Tier 1 Capital Ratio
10.07%(8%)
Total Capital Ratio
16.89%(10%)
Non-Performing Loan Ratio
0.92%

Profitability

Return on Assets (ROA)
0.74%(1%)
Return on Equity (ROE)
8.94%(10%)
Net Interest Margin
3.29%
Efficiency Ratio
71.54%(60%)

Lending & Liquidity

Total Loans
$117.5M
Loan-to-Deposit Ratio
70.55%
Net Charge-Off Ratio
-0.04%

Growth

Asset Growth (YoY)
+3.42%
Deposit Growth (YoY)
+1.77%
Net Income
$1.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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