C
F & M Community Bank, National Association
Preston,  MN
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.88
Return On
Assets
0.88%
Total
Assets
213.56M
Capital
16.95M
Total
Deposits
185.71M
Net
Income
1.87M
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Weiss Ratings F & M Community Bank, National Association
Preston, MN 		Click to
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Rating C
Asset Quality Index 8.70
Capitalization Index 8.30
Liquidity Index 2.70
Profitability Index 3.90
Stability Index 4.10
Company Info F & M Community Bank, National Association
Preston, MN 		Click to
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FDIC Number 10967
Phone Number (507) 765-3823
Website www.fmcommunity.com
Asset Quality F & M Community Bank, National Association
Preston, MN 		Click to
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1-Year Asset Growth 1.34%
5-Year Asset Growth 6.21%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.36%
Non-Performing Loans to Loans 0.00%
Balance Sheet F & M Community Bank, National Association
Preston, MN 		Click to
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Total Assets 213.56M
Total Deposits 185.71M
Capital and Reserves F & M Community Bank, National Association
Preston, MN 		Click to
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Capital 16.95M
Leverage Ratio 9.88
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio --
Liquidity F & M Community Bank, National Association
Preston, MN 		Click to
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Hot Money Ratio 13.26%
Liquidity Ratio 16.56%
Profitability F & M Community Bank, National Association
Preston, MN 		Click to
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5-Year Return on Average Assets 0.85%
Net Income 1.87M
Net Interest Spread 3.48%
Operating Profit to Average Assets 0.89%
Overhead Efficiency Ratio 75.74%
Return on Assets 0.88%
Return on Equity 11.90%