C
F & M Community Bank, National Association
Preston,  MN
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
9.76
Return On
Assets
0.91%
Total
Assets
204.56M
Capital
16.66M
Total
Deposits
175.92M
Net
Income
1.43M
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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 8.10
Liquidity Index 2.60
Profitability Index 3.90
Stability Index 4.50
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 -2.51%
5-Year Asset Growth 10.35%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
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 204.56M
Total Deposits 175.92M
Capital and Reserves F & M Community Bank, National Association
Preston, MN 		Click to
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Capital 16.66M
Leverage Ratio 9.76
Loan Loss Reserves to Loans 1.27%
Risk-Based Capital Ratio --
Liquidity F & M Community Bank, National Association
Preston, MN 		Click to
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Hot Money Ratio 14.60%
Liquidity Ratio 15.41%
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 1.43M
Net Interest Spread 3.43%
Operating Profit to Average Assets 0.92%
Overhead Efficiency Ratio 74.22%
Return on Assets 0.91%
Return on Equity 12.48%