Total Assets
$214M
Total balance-sheet footings
FDIC Cert #10967 · Preston, Minnesota · Est. 1911
F & M Community Bank, National Association - FDIC Bank Health Profile
A community-scale look at F & M Community Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $214M
- Total assets
- C
- Health grade · Fair
- 0.89%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
F & M Community Bank, National Association earns a PlainBankData health grade of C (56/100), with 9.88% Tier 1 capital, 0.89% ROA, 76% efficiency ratio.
- #2,924
- largest of 4,313 FDIC banks by assets
- 32nd
- percentile by asset size, nationally
- 9.88%
- Tier 1 ratio - below the 10% well-capitalized line
- 35th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How F & M Community Bank, National Association's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
F & M Community Bank, National Association's composite health score
Tier 1 Capital Ratio (9.88%) 18/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (0.44%) 20/20
Efficiency Ratio (75.74%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$186M
Customer-funded liabilities
Net Loans
$151M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where F & M Community Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. F & M Community Bank, National Association's score of 56/100 falls in the highlighted band.
F & M Community Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). F & M Community Bank, National Association's $214M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.88% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.88%
Texas Ratio
0.44%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
11.90%
Efficiency Ratio
75.74%
What the numbers say about F & M Community Bank, National Association
F & M Community Bank, National Association is an FDIC-insured institution (Certificate #10967) headquartered in Preston, Minnesota, established in 1911. It holds $214M in total assets - 2,924th of 4,313 FDIC-insured banks, $186M in customer deposits, and $151M in net loans. On safety, its Tier 1 capital ratio of 9.88% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.44% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Minnesota, F & M Community Bank, National Association ranks 111th of 227 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$10M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. F & M Community Bank, National Association reports a Texas Ratio of 0.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) F & M Community Bank, National Association (FDIC Cert #10967) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is F & M Community Bank, National Association's health grade?▼
F & M Community Bank, National Association receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is F & M Community Bank, National Association?▼
F & M Community Bank, National Association holds $214M in total assets and $186M in deposits, ranking 2,924th of 4,313 FDIC-insured banks by asset size. It is headquartered in Preston, Minnesota.
Is my money safe at F & M Community Bank, National Association?▼
Yes, deposits at F & M Community Bank, National Association (Certificate #10967) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is F & M Community Bank, National Association's Tier 1 Capital Ratio?▼
F & M Community Bank, National Association has a Tier 1 Capital Ratio of 9.88%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for F & M Community Bank, National Association?▼
F & M Community Bank, National Association has a Texas Ratio of 0.44%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is F & M Community Bank, National Association?▼
F & M Community Bank, National Association has an Efficiency Ratio of 75.74%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read F & M Community Bank, National Association's profile as a depositor or analyst.
- F & M Community Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare F & M Community Bank, National Association against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.