Headquartered in Wright City, Missouri, FMB Bank is a state-chartered bank with $51.2M in total assets and $47.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1910.
Based on its Q2 2026 filing, FMB Bank scores 61/100, which we describe as moderate. That is higher than only 19% of 546 banks with under $100 million in assets. Among 194 banks headquartered in Missouri, it ranks 159th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is capital cushion (25/100; 7.49%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 61).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 63 |
| Q4 2024 | 64 |
| Q1 2025 | 58 |
| Q2 2025 | 61 |
| Q3 2025 | 71 |
| Q4 2025 | 69 |
| Q1 2026 | 61 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.14% |
| Q3 2024 | 8.06% |
| Q4 2024 | 8.76% |
| Q1 2025 | 7.34% |
| Q2 2025 | 7.72% |
| Q3 2025 | 8.98% |
| Q4 2025 | 8.82% |
| Q1 2026 | 7.57% |
| Q2 2026 | 7.49% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.02% |
| Q3 2024 | 0.11% |
| Q4 2024 | -0.01% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $51.2M | 7.49% | 0.01% | 0.22% | 31.9% |
| Q1 2026 | 61 | $53.2M | 7.57% | 0.01% | 0.24% | 27.3% |
| Q4 2025 | 69 | $40.9M | 8.82% | 0.02% | 0.52% | 35.3% |
| Q3 2025 | 71 | $42.8M | 8.98% | 0.02% | 0.62% | 36.2% |
| Q2 2025 | 61 | $48.1M | 7.72% | 0.01% | 0.11% | 32.9% |
| Q1 2025 | 58 | $50.2M | 7.34% | 0.08% | 0.09% | 30.0% |
| Q4 2024 | 64 | $42.0M | 8.76% | 0.11% | -0.01% | 34.5% |
| Q3 2024 | 63 | $44.0M | 8.06% | 0.10% | 0.11% | 37.0% |
| Q2 2024 | 57 | $52.3M | 7.14% | 0.01% | -0.02% | 28.3% |
546 peers · Under $100 million in assets
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security BankBank Union Star, MO | 65 out of 100, Moderate | $61.9M | 8.0% | 0.43% | vs |
| Montrose Savings BankBank Montrose, MO | 97 out of 100, Very strong | $63.2M | 14.5% | 0.13% | vs |
| Community Bank of MemphisBank Memphis, MO | 85 out of 100, Very strong | $63.7M | 12.4% | 0.00% | vs |
| America's Community BankBank Blue Springs, MO | 57 out of 100, Moderate | $64.1M | 8.7% | 1.32% | vs |
| The Bank of HoustonBank Houston, MO | 82 out of 100, Strong | $67.4M | 14.1% | 0.16% | vs |
| Bank of IberiaBank Iberia, MO | 68 out of 100, Moderate | $73.9M | 9.1% | 0.48% | vs |
Deposit insurance
Is my money safe at FMB Bank?
Yes. FMB Bank is an FDIC-insured institution (FDIC certificate #12225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.4% of deposits ($13.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.10% (benchmark: 10%).
1 location
Branches
FMB Bank lists 1 office in 1 city. Most locations:
- Wright City, MO (1)
Identity & history
Profile
- Legal name
- FMB Bank
- Former names
- Farmers and Merchants Bank of Wright City
- Type
- State-chartered bank
- FDIC certificate #
- 12225
- RSSD ID
- 509857
- Primary regulator
- FDIC
- Holding company
- Farmers&merchants Bancshares
- Established
- December 10, 1910
- Headquarters
- 100 Veterans Memorial Pkwy, Wright City, MO 63390
- Website
- www.fmb-bank.com
- Employees
- 12
Quick answers
FMB Bank: common questions
Is FMB Bank FDIC insured?
Yes. FMB Bank is an FDIC-insured institution (FDIC certificate #12225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FMB Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has FMB Bank ever failed?
There is no failure record for FDIC certificate #12225 in the FDIC failed bank list.
How many branches does FMB Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wright City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| United Credit UnionCredit union Mexico, MO | 88 out of 100, Very strong | $302.1M | 15.2% | 0.40% | vs |
| First State Bank of St. Charles, MissouriBank St. Charles, MO | 85 out of 100, Very strong | $535.2M | 15.6% | 0.40% | vs |
| Jonesburg State BankBank Jonesburg, MO | 81 out of 100, Strong | $145.6M | 9.9% | 0.00% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |