TellerScore

F&M Bank (FDIC certificate #12761) is based in Edmond, Oklahoma. Its Q2 2026 call report shows $915.3M in total assets and $799.0M in deposits and 11 offices.

F&M Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 76th. Problem-loan coverage contributes the most (95/100, 2.3%); capital cushion contributes the least (50/100, 10.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.00%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.36%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 81.1% · 25.1% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.27%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (81 → 71), mostly because the earnings component weakened by 24 points.

TellerScore
576981Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202475
Q4 202474
Q1 202578
Q2 202581
Q3 202564
Q4 202564
Q1 202657
Q2 202671
Tier 1 leverage ratio
5.00%8.70%12.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.08%
Q3 202411.29%
Q4 202411.29%
Q1 202511.91%
Q2 202512.26%
Q3 202512.41%
Q4 202512.40%
Q1 20269.80%
Q2 202610.00%
Noncurrent loans
0.36%1.19%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.73%
Q3 20240.49%
Q4 20240.62%
Q1 20250.57%
Q2 20250.45%
Q3 20252.01%
Q4 20251.84%
Q1 20261.64%
Q2 20260.36%
Return on assets
1.19%1.52%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.58%
Q3 20241.54%
Q4 20241.56%
Q1 20251.76%
Q2 20251.84%
Q3 20251.67%
Q4 20251.45%
Q1 20261.19%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$915.3M10.00%0.36%1.24%81.1%
Q1 202657$925.2M9.80%1.64%1.19%83.4%
Q4 202564$809.5M12.40%1.84%1.45%89.1%
Q3 202564$758.0M12.41%2.01%1.67%91.5%
Q2 202581$758.6M12.26%0.45%1.84%85.4%
Q1 202578$753.4M11.91%0.57%1.76%81.6%
Q4 202474$772.0M11.29%0.62%1.56%86.7%
Q3 202475$771.4M11.29%0.49%1.54%84.5%
Q2 202474$746.9M11.08%0.73%1.58%77.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.00%
31st
Total risk-based capital0.00%
24th
Problem loans0.36%
53rd
Net charge-offs1.85%
1st
Return on assets1.24%
50th
Net interest margin4.45%
78th
Efficiency ratio56.1%
69th
Loans to deposits81.1%
47th
Uninsured deposits25.1%
46th
Loan-loss reserves1.13%
42nd
Texas ratio2.3%
55th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
SpiritBankBank Tulsa, OK63 out of 100, Moderate$912.8M9.3%0.86%vs
Valliance BankBank Oklahoma City, OK47 out of 100, Below average$923.3M9.3%1.58%vs
Security BankBank Tulsa, OK81 out of 100, Strong$939.0M11.8%0.15%vs
First Liberty BankBank Oklahoma City, OK76 out of 100, Strong$885.0M11.8%0.07%vs
First National Bank of OklahomaBank Oklahoma City, OK66 out of 100, Moderate$949.9M10.5%1.39%vs
First Bank & Trust Co.Bank Duncan, OK61 out of 100, Moderate$952.1M14.9%5.22%vs

Deposit insurance

Is my money safe at F&M Bank?

Yes. F&M Bank is an FDIC-insured institution (FDIC certificate #12761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.1% of deposits ($200.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.00%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

F&M Bank lists 11 offices in 8 cities. Most locations:

  • Edmond, OK (2)
  • Guthrie, OK (2)
  • Yukon, OK (2)
  • Crescent, OK (1)
  • Fairview, OK (1)
  • Kingfisher, OK (1)
  • Okarche, OK (1)
  • Piedmont, OK (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, F&M Bank reported 372 home-loan applications under HMDA (LEI 549300X2FI65C4A30O27): 309 originated ($83,095,000 total), 13 denied, and 39 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
F&M Bank
Former names
F & M Bank; Farmers & Merchants Bank; Farmers and Merchants Bank
Type
State-chartered bank
FDIC certificate #
12761
RSSD ID
163857
Primary regulator
FDIC
Holding company
F&m Bancshares Inc
Established
January 1, 1902
Headquarters
17100 N May Ave, Edmond, OK 73012
Employees
126

Quick answers

F&M Bank: common questions

Is F&M Bank FDIC insured?

Yes. F&M Bank is an FDIC-insured institution (FDIC certificate #12761). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is F&M Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has F&M Bank ever failed?

There is no failure record for FDIC certificate #12761 in the FDIC failed bank list.

How many branches does F&M Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Edmond

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Correctional Workers Federal Credit UnionCredit union El Reno, OK88 out of 100, Very strong$10.5M17.9%0.19%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs