F&M Bank (FDIC #12761): Bank Stress & Real-Estate Credit Exposure
F&M Bank (FDIC Cert #12761): bank stress 64/100, elevated, STABLE over 7 days; parent F&M BANCSHARES INC.
F&M Bank (#12761) lends in 5 counties across 1 state; F&M Bank (#12761) reaches 97 ZIP codes: Oklahoma 5 counties, 97 ZIPs.
F&M Bank (#12761) largest markets: Oklahoma County, OK (110 branches, 55 ZIPs) (#12761), Logan County, OK (45 branches, 15 ZIPs) (#12761), Major County, OK (15 branches, 15 ZIPs) (#12761), Canadian County, OK (42 branches, 14 ZIPs) (#12761), Kingfisher County, OK (24 branches, 12 ZIPs) (#12761).
F&M Bank (#12761) reports $915.3 million in total assets; F&M Bank (#12761) equity $95.9 million (10.5% of F&M Bank (#12761) assets); F&M Bank (#12761) domestic deposits $799.0 million; F&M Bank (#12761) net income $5.5 million; F&M Bank (#12761) return on assets 1.24%; F&M Bank (#12761) return on equity 11.58%; F&M Bank (#12761) net interest income $18.2 million; F&M Bank (#12761) call report June 30, 2026.
F&M Bank (#12761) noncurrent real-estate loans: none reported; F&M Bank (#12761) net charge-offs on real estate 0.63%.
F&M Bank (#12761) net interest margin 4.45% against an eight-quarter F&M Bank (#12761) average of 4.18% (F&M Bank (#12761) compression -0.27 points); F&M Bank (#12761) rate-exposure score 40/100, F&M Bank (#12761) fixed-rate trap 40/100; F&M Bank (#12761) risk type credit driven; F&M Bank (#12761) rate regime rates elevated, F&M Bank (#12761) snapshot October 20, 2026.
F&M Bank (#12761) stress score moved from 64.1 on June 22, 2026 to 64 on October 20, 2026; F&M Bank (#12761) ranged 64 to 64.1 over 117 snapshots.
F&M Bank (#12761) alerts: 5 counties; top F&M Bank (#12761) alert scores: Edmond County, OK 21 (low); Fairview County, OK 21 (low); Guthrie County, OK 21 (low); Okarche County, OK 21 (low); Yukon County, OK 21 (low).