Headquartered in Falls City, Nebraska, F&M Bank is a state-chartered bank with $135.3M in total assets and $115.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1882.
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 34th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (66/100; 11.63%).
TellerScore · Q2 2026
Scorecard
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 4 points (79 → 83), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 82 |
| Q4 2024 | 77 |
| Q1 2025 | 80 |
| Q2 2025 | 79 |
| Q3 2025 | 81 |
| Q4 2025 | 83 |
| Q1 2026 | 82 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.01% |
| Q3 2024 | 11.89% |
| Q4 2024 | 10.94% |
| Q1 2025 | 11.29% |
| Q2 2025 | 11.64% |
| Q3 2025 | 11.51% |
| Q4 2025 | 12.08% |
| Q1 2026 | 11.88% |
| Q2 2026 | 11.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.19% |
| Q3 2024 | 1.17% |
| Q4 2024 | 0.99% |
| Q1 2025 | 1.07% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $135.3M | 11.63% | 0.00% | 1.46% | 48.2% |
| Q1 2026 | 82 | $142.3M | 11.88% | 0.00% | 1.29% | 45.0% |
| Q4 2025 | 83 | $129.5M | 12.08% | 0.00% | 1.29% | 54.2% |
| Q3 2025 | 81 | $127.5M | 11.51% | 0.00% | 1.22% | 54.5% |
| Q2 2025 | 79 | $147.3M | 11.64% | 0.00% | 1.10% | 46.5% |
| Q1 2025 | 80 | $131.7M | 11.29% | 0.00% | 1.07% | 52.0% |
| Q4 2024 | 77 | $134.2M | 10.94% | 0.00% | 0.99% | 54.3% |
| Q3 2024 | 82 | $131.3M | 11.89% | 0.00% | 1.17% | 52.7% |
| Q2 2024 | 83 | $127.1M | 12.01% | 0.00% | 1.19% | 56.1% |
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).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Central BankBank Cambridge, NE | 50 out of 100, Below average | $137.8M | 11.6% | 3.47% | vs |
| American Interstate BankBank Elkhorn, NE | 93 out of 100, Very strong | $132.0M | 20.1% | 0.00% | vs |
| West Plains BankBank Ainsworth, NE | 91 out of 100, Very strong | $139.3M | 14.8% | 0.00% | vs |
| Hershey BankBank Hershey, NE | 67 out of 100, Moderate | $141.1M | 13.2% | 1.22% | vs |
| Bank of Dixon CountyBank Ponca, NE | 70 out of 100, Strong | $141.7M | 13.3% | 2.04% | vs |
| First Central Bank McCookBank Mccook, NE | 41 out of 100, Below average | $122.8M | 11.3% | 5.80% | vs |
Deposit insurance
Is my money safe at F&M Bank?
Yes. F&M Bank is an FDIC-insured institution (FDIC certificate #5401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.2% of deposits ($37.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.63%, 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%).
2 locations
Branches
F&M Bank lists 1 office in 1 city. Most locations:
- Falls City, NE (1)
Identity & history
Profile
- Legal name
- F&M Bank
- Former names
- First National Bank and Trust Company; The First National Bank of Falls City
- Type
- State-chartered bank
- FDIC certificate #
- 5401
- RSSD ID
- 259059
- Primary regulator
- FDIC
- Holding company
- R Dean Phillips Bk Tr Dated 11-19-2004
- Established
- January 1, 1882
- Headquarters
- 1701 Stone St, Falls City, NE 68355
- Website
- www.fmbankfc.bank
- Employees
- 17
Quick answers
F&M Bank: common questions
Is F&M Bank FDIC insured?
Yes. F&M Bank is an FDIC-insured institution (FDIC certificate #5401). 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 #5401 in the FDIC failed bank list.
How many branches does F&M Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Falls City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens State Bank and Trust CompanyBank Hiawatha, KS | 95 out of 100, Very strong | $103.6M | 18.3% | 0.21% | vs |
| The State Bank of BernBank Bern, KS | 95 out of 100, Very strong | $128.2M | 17.3% | 0.00% | vs |
| The Nodaway Valley BankBank Maryville, MO | 87 out of 100, Very strong | $1.6B | 11.6% | 0.00% | vs |
| Citizens Bank & TrustBank Rock Port, MO | 85 out of 100, Very strong | $107.3M | 12.5% | 0.08% | vs |
| GNBank, National AssociationBank Girard, KS | 80 out of 100, Strong | $1.1B | 11.6% | 0.13% | vs |
| United Bank & TrustBank Marysville, KS | 79 out of 100, Strong | $892.9M | 11.5% | 0.00% | vs |