TellerScore

Headquartered in Preston, Minnesota, F & M Community Bank, National Association is a national bank with $211.1M in total assets and $184.4M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1911.

F & M Community Bank, National Association has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 71st. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (49/100, 9.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.93%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 80.7% · 16.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (70 → 74), mostly because the earnings component improved by 8 points.

TellerScore
657074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202466
Q4 202467
Q1 202570
Q2 202570
Q3 202572
Q4 202572
Q1 202672
Q2 202674
Tier 1 leverage ratio
5.00%7.47%9.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.13%
Q3 20249.16%
Q4 20249.16%
Q1 20259.38%
Q2 20259.70%
Q3 20259.76%
Q4 20259.88%
Q1 20269.93%
Q2 20269.93%
Noncurrent loans
0.00%0.09%0.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.07%
Q4 20240.00%
Q1 20250.00%
Q2 20250.18%
Q3 20250.00%
Q4 20250.05%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.26%0.66%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.26%
Q3 20240.31%
Q4 20240.37%
Q1 20250.71%
Q2 20250.85%
Q3 20250.92%
Q4 20250.89%
Q1 20260.87%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$211.1M9.93%0.00%1.06%80.7%
Q1 202672$209.9M9.93%0.00%0.87%83.3%
Q4 202572$213.6M9.88%0.05%0.89%81.0%
Q3 202572$204.6M9.76%0.00%0.92%82.5%
Q2 202570$209.0M9.70%0.18%0.85%81.8%
Q1 202570$205.8M9.38%0.00%0.71%79.0%
Q4 202467$210.7M9.16%0.00%0.37%77.3%
Q3 202466$209.8M9.16%0.07%0.31%77.0%
Q2 202465$205.3M9.13%0.00%0.26%81.0%

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 ratio9.93%
29th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.01%
51st
Return on assets1.06%
38th
Net interest margin3.82%
43rd
Efficiency ratio71.0%
28th
Loans to deposits80.7%
48th
Uninsured deposits16.9%
76th
Loan-loss reserves1.25%
57th
Texas ratio0.0%
95th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
ESB BankBank Caledonia, MN65 out of 100, Moderate$208.9M9.2%0.87%vs
Grand Marais State BankBank Grand Marais, MN75 out of 100, Strong$207.2M8.4%0.10%vs
Wadena State BankBank Wadena, MN81 out of 100, Strong$206.6M9.8%0.04%vs
Minnstar Bank National AssociationBank Lake Crystal, MN70 out of 100, Strong$204.0M10.4%0.36%vs
Lakeview BankBank Lakeville, MN58 out of 100, Moderate$218.3M8.9%1.00%vs
Home State BankBank Litchfield, MN83 out of 100, Strong$218.9M11.8%0.08%vs

Deposit insurance

Is my money safe at F & M Community Bank, National Association?

Yes. F & M Community Bank, National Association is an FDIC-insured institution (FDIC certificate #10967). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.9% of deposits ($31.1M) 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 9.93%, 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

3 locations

Branches

F & M Community Bank, National Association lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, F & M Community Bank, National Association reported 94 home-loan applications under HMDA (LEI 2549008O36ZLTWMCKU62): 84 originated ($14,940,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.1%, 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 Community Bank, National Association
Former names
F & M Bank of Preston; F & M Community Bank; Farmers and Merchants Bank of Preston; Farmers & Merchants Bank of Preston; Farmers & Merchants State Bank of Preston
Type
National bank
FDIC certificate #
10967
RSSD ID
171759
Primary regulator
OCC
Holding company
F&m Financial Services Inc
Established
March 11, 1911
Headquarters
100 Saint Anthony St N, Preston, MN 55965
Employees
39

Quick answers

F & M Community Bank, National Association: common questions

Is F & M Community Bank, National Association FDIC insured?

Yes. F & M Community Bank, National Association is an FDIC-insured institution (FDIC certificate #10967). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is F & M Community Bank, National Association's TellerScore?

74 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 Community Bank, National Association ever failed?

There is no failure record for FDIC certificate #10967 in the FDIC failed bank list.

How many branches does F & M Community Bank, National Association have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Preston

InstitutionScoreAssetsCapitalProblem loansCompare
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
First National BankBank Oldham, SD77 out of 100, Strong$477.8M18.4%2.01%vs
First State Bank MinnesotaBank Le Roy, MN76 out of 100, Strong$105.9M11.4%0.80%vs
CUSB BankBank Cresco, IA74 out of 100, Strong$812.1M12.3%0.65%vs
Decorah Bank & Trust CompanyBank Decorah, IA74 out of 100, Strong$794.1M10.4%0.49%vs
Merchants Bank, National AssociationBank Winona, MN73 out of 100, Strong$2.9B11.5%0.53%vs