TellerScore

F&M Bank is a state-chartered bank headquartered in West Point, Nebraska, in business for about 95 years. At the end of Q2 2026 it reported $354.6M in total assets and $311.6M in deposits, with 6 offices across 2 states.

Based on its Q2 2026 filing, F&M Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 32nd. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is funding & liquidity (62/100; 94% loans-to-deposits, 19% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.76%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings93/100
Return on assets (annualized): 1.83%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 93.9% · 18.5% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.49%

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 rose 3 points (80 → 83), mostly because the loan quality component improved by 9 points.

TellerScore
778083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202481
Q3 202482
Q4 202478
Q1 202580
Q2 202580
Q3 202582
Q4 202577
Q1 202678
Q2 202683
Tier 1 leverage ratio
5.00%8.67%12.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.46%
Q3 202411.79%
Q4 202410.65%
Q1 202511.10%
Q2 202511.74%
Q3 202512.35%
Q4 202510.70%
Q1 202611.10%
Q2 202611.76%
Noncurrent loans
0.00%0.17%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.05%
Q4 20240.00%
Q1 20250.08%
Q2 20250.33%
Q3 20250.13%
Q4 20250.11%
Q1 20260.19%
Q2 20260.07%
Return on assets
1.55%1.69%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.55%
Q3 20241.60%
Q4 20241.60%
Q1 20251.75%
Q2 20251.77%
Q3 20251.65%
Q4 20251.64%
Q1 20261.55%
Q2 20261.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$354.6M11.76%0.07%1.83%93.9%
Q1 202678$361.1M11.10%0.19%1.55%91.9%
Q4 202577$377.4M10.70%0.11%1.64%88.3%
Q3 202582$340.4M12.35%0.13%1.65%94.9%
Q2 202580$338.9M11.74%0.33%1.77%93.2%
Q1 202580$345.6M11.10%0.08%1.75%93.2%
Q4 202478$355.4M10.65%0.00%1.60%89.3%
Q3 202482$346.5M11.79%0.05%1.60%87.1%
Q2 202481$333.0M11.46%0.00%1.55%92.2%

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 ratio11.76%
62nd
Total risk-based capital0.00%
24th
Problem loans0.07%
76th
Net charge-offs0.01%
51st
Return on assets1.83%
81st
Net interest margin4.12%
60th
Efficiency ratio60.2%
56th
Loans to deposits93.9%
18th
Uninsured deposits18.5%
70th
Loan-loss reserves1.27%
59th
Texas ratio0.5%
77th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of GordonBank Gordon, NE79 out of 100, Strong$357.5M14.1%1.30%vs
Premier Bank National AssociationBank Omaha, NE71 out of 100, Strong$342.4M12.6%1.21%vs
First Community BankBank Beemer, NE66 out of 100, Moderate$342.3M9.1%0.40%vs
Flatwater BankBank Gothenburg, NE56 out of 100, Moderate$367.7M9.4%1.76%vs
Pathway BankBank Cairo, NE54 out of 100, Below average$338.1M12.4%3.85%vs
First Nebraska BankBank Valley, NE75 out of 100, Strong$371.4M10.3%0.23%vs

Deposit insurance

Is my money safe at F&M Bank?

Yes. F&M Bank is an FDIC-insured institution (FDIC certificate #14922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.5% of deposits ($57.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.76%, well 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

6 locations

Branches

F&M Bank lists 6 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, F&M Bank reported 51 home-loan applications under HMDA (LEI 549300THLH8NJUNMGF13): 47 originated ($8,055,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.0%, 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
The Farmers & Merchants National Bank of West Point; F & M Bank, National Association
Type
State-chartered bank
FDIC certificate #
14922
RSSD ID
542153
Primary regulator
FDIC
Holding company
R Dean Phillips Bk Tr Dated 11-19-2004
Established
January 1, 1931
Headquarters
204 N Main St, West Point, NE 68788
Employees
60

Quick answers

F&M Bank: common questions

Is F&M Bank FDIC insured?

Yes. F&M Bank is an FDIC-insured institution (FDIC certificate #14922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is F&M Bank's TellerScore?

83 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 #14922 in the FDIC failed bank list.

How many branches does F&M Bank have?

6 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near West Point

InstitutionScoreAssetsCapitalProblem loansCompare
Scribner BankBank Scribner, NE96 out of 100, Very strong$86.9M16.6%0.04%vs
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
Battle Creek State BankBank Battle Creek, NE81 out of 100, Strong$71.0M14.4%0.00%vs
Pinnacle BankBank Lincoln, NE74 out of 100, Strong$9.2B9.9%0.07%vs