B
F&M Bank and Trust Company
Rating Date
March 2026
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 5.90
Capitalization Index 8.60
Liquidity Index 2.60
Profitability Index 3.90
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 3.42%
5-Year Asset Growth 6.03%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans -0.04%
Non-Performing Assets to Assets 0.83%
Non-Performing Loans to Capital 5.89%
Non-Performing Loans to Loans 1.10%
Balance Sheet F&M Bank and Trust Company
Hannibal, MO
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Total Assets 182.11M
Total Deposits 164.62M
Capital and Reserves F&M Bank and Trust Company
Hannibal, MO
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Capital 16.59M
Leverage Ratio 10.07
Loan Loss Reserves to Loans 1.13%
Risk-Based Capital Ratio 16.89
Liquidity F&M Bank and Trust Company
Hannibal, MO
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Hot Money Ratio 17.88%
Liquidity Ratio 15.98%
Profitability F&M Bank and Trust Company
Hannibal, MO
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5-Year Return on Average Assets 0.80%
Net Income 1.35M
Net Interest Spread 3.15%
Operating Profit to Average Assets 0.96%
Overhead Efficiency Ratio 71.54%
Return on Assets 0.72%
Return on Equity 8.93%