F&M Bank
Total assets
$354.6M
▲ +4.6% YoY
Deposits
$311.6M
▲ +4.9% YoY
Loans
$292.7M
▲ +5.7% YoY
Offices
6
R DEAN PHILLIPS BK TR DATED 11-19-2004
ROA (annualized)
1.83%
peers 1.24%
ROE (annualized)
16.82%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | F&M Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 1.83% | 1.24% | +0.6 pts |
| ROE | 16.8% | 11.9% | +5.0 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
Profile
- Established
- 1931
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- R DEAN PHILLIPS BK TR DATED 11-19-2004
- Specialization
- Agricultural Specialization
- Address
- 204 N Main St, West Point, NE, 68788
- County
- Cuming
- Offices
- 6
- FDIC cert #
- 14922
- RSSD ID
- 542153
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $354.6M | $311.6M | $292.7M | $41.3M | $3.3M | 1.83% | 4.12% | 0.06% |
| Q1 2026 | $361.1M | $319.0M | $293.0M | $39.5M | $1.4M | 1.55% | 3.97% | 0.16% |
| Q4 2025 | $377.4M | $335.1M | $295.8M | $38.0M | $5.8M | 1.64% | 4.29% | 0.08% |
| Q3 2025 | $340.4M | $297.3M | $282.1M | $41.5M | $4.3M | 1.65% | 4.34% | 0.11% |
| Q2 2025 | $338.9M | $297.0M | $276.8M | $40.1M | $3.1M | 1.77% | 4.30% | 0.28% |
| Q1 2025 | $345.6M | $305.6M | $284.8M | $38.5M | $1.5M | 1.75% | 4.21% | 0.07% |
| Q4 2024 | $355.4M | $317.2M | $283.3M | $36.8M | $5.5M | 1.60% | 3.99% | 0.00% |
| Q3 2024 | $346.5M | $305.5M | $265.9M | $39.4M | $4.1M | 1.60% | 3.96% | 0.04% |
Loan mix (Q2 2026): real estate $181.6M · commercial $13.5M · consumer $1.7M · securities $21.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 62.9% | 42th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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