Total Assets
$810M
Total balance-sheet footings
FDIC Cert #12761 · Edmond, Oklahoma · Est. 1902
F&M Bank - FDIC Bank Health Profile
A community-scale look at F&M Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $810M
- Total assets
- A
- Health grade · Excellent
- 1.45%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
F&M Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.40% Tier 1, profitable at 1.45% ROA, efficient (58% cost ratio).
- #1,256
- largest of 4,313 FDIC banks by assets
- 71st
- percentile by asset size, nationally
- 12.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 72nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How F&M Bank's 83/100 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 Bank's composite health score
Tier 1 Capital Ratio (12.40%) 35/40
Return on Assets (ROA) (1.45%) 20/25
Texas Ratio (10.87%) 16/20
Efficiency Ratio (58.02%) 12/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$668M
Customer-funded liabilities
Net Loans
$595M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where F&M Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. F&M Bank's score of 83/100 falls in the highlighted band.
F&M Bank'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 Bank's $810M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.40%
Texas Ratio
10.87%
Equity Capital
$93M
Profitability metrics
Return on Assets (ROA)
72nd percentile nationally
1.45%
Return on Equity (ROE)
12.63%
Efficiency Ratio
58.02%
What the numbers say about F&M Bank
F&M Bank is an FDIC-insured institution (Certificate #12761) headquartered in Edmond, Oklahoma, established in 1902. It holds $810M in total assets - 1,256th of 4,313 FDIC-insured banks, $668M in customer deposits, and $595M in net loans. Looking at capital strength, Tier 1 stands at 12.40%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 10.87%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (83/100), 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 Oklahoma, F&M Bank ranks 33rd of 172 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$44M
Interest Income
$4M
Non-Interest Income
$20M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. F&M Bank reports a Texas Ratio of 10.87% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.87% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) F&M Bank (FDIC Cert #12761) - 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 Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is F&M Bank's health grade?▼
F&M Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is F&M Bank?▼
F&M Bank holds $810M in total assets and $668M in deposits, ranking 1,256th of 4,313 FDIC-insured banks by asset size. It is headquartered in Edmond, Oklahoma.
Is my money safe at F&M Bank?▼
Yes, deposits at F&M Bank (Certificate #12761) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is F&M Bank's Tier 1 Capital Ratio?▼
F&M Bank has a Tier 1 Capital Ratio of 12.40%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for F&M Bank?▼
F&M Bank has a Texas Ratio of 10.87%. 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 Bank?▼
F&M Bank has an Efficiency Ratio of 58.02%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read F&M Bank's profile as a depositor or analyst.
- F&M Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare F&M Bank against other Oklahoma banks before moving funds. Oklahoma 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.