F&M BANK
EDMOND, OKLAHOMA · FDIC Cert #12761
Capital & Safety Analysis
According to FDIC financial data, F&M BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject F&M BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
F&M BANK shows average financial health. While not alarming, its Health Score of 58/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
F&M BANK has a Bank Health Score of C (58/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
F&M BANK holds $747M in total assets and $646M in total deposits. It is located in EDMOND, OKLAHOMA (FDIC Certificate #12761).
F&M BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.73%, and the return on assets is 1.64%.
Yes. F&M BANK is FDIC-insured (Certificate #12761). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.