B
F&M Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings F&M Bank and Trust Company
Hannibal, MO
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Rating B
Asset Quality Index 6.00
Capitalization Index 8.10
Liquidity Index 2.70
Profitability Index 3.50
Stability Index 4.90
Company Info F&M Bank and Trust Company
Hannibal, MO
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FDIC Number 30595
Phone Number (573) 221-6424
Website www.bankfm.com
Asset Quality F&M Bank and Trust Company
Hannibal, MO
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1-Year Asset Growth 3.44%
5-Year Asset Growth 6.35%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans -0.06%
Non-Performing Assets to Assets 0.88%
Non-Performing Loans to Capital 5.48%
Non-Performing Loans to Loans 1.20%
Balance Sheet F&M Bank and Trust Company
Hannibal, MO
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Total Assets 185.27M
Total Deposits 168.56M
Capital and Reserves F&M Bank and Trust Company
Hannibal, MO
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Capital 15.82M
Leverage Ratio 9.76
Loan Loss Reserves to Loans 1.13%
Risk-Based Capital Ratio 16.48
Liquidity F&M Bank and Trust Company
Hannibal, MO
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Hot Money Ratio 18.06%
Liquidity Ratio 17.15%
Profitability F&M Bank and Trust Company
Hannibal, MO
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5-Year Return on Average Assets 0.80%
Net Income 962.00K
Net Interest Spread 3.09%
Operating Profit to Average Assets 0.91%
Overhead Efficiency Ratio 71.74%
Return on Assets 0.68%
Return on Equity 8.71%