B
F&M Bank and Trust Company
Rating Date
August 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 5.20
Capitalization Index 8.80
Liquidity Index 2.40
Profitability Index 3.90
Stability Index 5.20
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 -0.16%
5-Year Asset Growth 6.03%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.06%
Non-Performing Loans to Capital 7.02%
Non-Performing Loans to Loans 1.46%
Balance Sheet F&M Bank and Trust Company
Hannibal, MO
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Total Assets 182.36M
Total Deposits 164.33M
Capital and Reserves F&M Bank and Trust Company
Hannibal, MO
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Capital 17.13M
Leverage Ratio 10.20
Loan Loss Reserves to Loans 1.07%
Risk-Based Capital Ratio 16.47
Liquidity F&M Bank and Trust Company
Hannibal, MO
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Hot Money Ratio 18.54%
Liquidity Ratio 13.59%
Profitability F&M Bank and Trust Company
Hannibal, MO
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5-Year Return on Average Assets 0.73%
Net Income 827.00K
Net Interest Spread 3.42%
Operating Profit to Average Assets 1.16%
Overhead Efficiency Ratio 69.12%
Return on Assets 0.88%
Return on Equity 9.84%