What is F&M Bank's financial health grade?

F&M Bank has a TFS Financial Health Grade of C- (score: 70.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does F&M Bank have?

F&M Bank has 11 branch locations across the United States.

Is F&M Bank FDIC insured?

Yes, F&M Bank is FDIC insured (Certificate #12761).

What are the total assets of F&M Bank?

F&M Bank has total assets of $809.5M as reported in its most recent FDIC filing.

F&M Bank

BankEdmond, Oklahoma

http://www.fmbankok.com

Total Assets

$809.5M

Total Deposits

$667.8M

Branches

Established

1902

TFS Health Grade

C-

70.0 / 100

Average financial health

How we grade

F&M Bank is a bank headquartered in Edmond, Oklahoma, established in 1902. With $809.5M in total assets and 9 branch locations, it has a TFS Financial Health Grade of C- (70.0/100).

Capital & Safety

Tier 1 Capital Ratio

12.40%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

1.84%

Profitability

Return on Assets (ROA)

1.45%(1%)

Return on Equity (ROE)

12.63%(10%)

Net Interest Margin

4.28%

Efficiency Ratio

58.02%(60%)

Lending & Liquidity

Total Loans

$604.6M

Loan-to-Deposit Ratio

89.10%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+4.86%

Deposit Growth (YoY)

+4.08%

Net Income

$11.2M

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.

Branch	Address	City	State	Type
F&M BankHQ	17100 N May Ave	Edmond	OK	11
F&M Bank	116 S Grand St	Crescent	OK	11
F&M Bank	121 E Waterloo Rd	Edmond	OK	11
F&M Bank	101 N Main St	Fairview	OK	11
F&M Bank	1800 E Oklahoma Ave	Guthrie	OK	11
F&M Bank	2211 S Division St	Guthrie	OK	11
F&M Bank	601 S Main St	Kingfisher	OK	11
F&M Bank	653 Highway 81	Okarche	OK	11
F&M Bank	1216 Piedmont Rd N	Piedmont	OK	11
F&M Bank	11000 Surrey Hills Blvd	Yukon	OK	11
F&M Bank	1401 Health Center Pkwy	Yukon	OK	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.