F&M Bank


F&M Bank is an FDIC insured institution headquartered at 204 N Main St, West Point, NE 68788.
It was founded in 1931 and has approximately $0 billion in assets. Customers can open an account at one of its 6 branches.

Deposit Rates - April 22, 2025

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.10% $10,000 Compare
6 Mo CD
0.30% $100,000 Compare
12 Mo CD
0.15% $10,000 Compare
12 Mo CD
0.35% $100,000 Compare
18 Mo CD
0.20% $10,000 Compare
18 Mo CD
0.40% $100,000 Compare
24 Mo CD
0.30% $10,000 Compare
24 Mo CD
0.50% $100,000 Compare
30 Mo CD
0.30% $10,000 Compare
30 Mo CD
0.50% $100,000 Compare
36 Mo CD
0.40% $10,000 Compare
36 Mo CD
0.60% $100,000 Compare
48 Mo CD
0.50% $10,000 Compare
48 Mo CD
0.70% $100,000 Compare
60 Mo CD
0.70% $10,000 Compare
60 Mo CD
0.90% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.10% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14922
Date Established 1931
Assets $ 355.42 million
Loans $ 283.27 million
Deposits $ 317.17 million
Capital $ 36.77 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 27.49 million
Interest-bearing balances $ 12.67 million
Total securities $ 32.06 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 283.27 million
Loan loss allowance $ 3.42 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 4.59 million
     Total Assets $ 318.66 million

LIABILITIES
Total deposits $ 317.17 million
      Interest-bearing deposits $ 221.35 million
      Deposits held in domestic offices $ 317.17 million
      % insured (estimated)" 79.91%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 3.49 million
Subordinated debt N.A.
All other liabilities $ 0.79 millionn
      Total Liabilities $ 318.66 million
      Shareholders’ Equity $ 36.77 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 18.52 million
Total Interest Expense $ 5.65 million
Net interest income $ 12.87 million
Provision for loan and lease losses $ 0.40 million
Total non interest income $ 3.29 million
Total non interest expense $ 10.12 million
Pre-tax Net Operating Income $ 2.06 million

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Branches

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F&M Bank Locations