F&M Bank (FDIC #14922): Bank Stress & Real-Estate Credit Exposure

F&M Bank (FDIC Cert #14922): bank stress 48/100, moderate, STABLE over 7 days; parent R DEAN PHILLIPS BK TR DATED 11-19-2004.

F&M Bank (#14922) lends in 5 counties across 2 states; F&M Bank (#14922) reaches 67 ZIP codes: Nebraska 4 counties, 41 ZIPs; Iowa 1 county, 26 ZIPs.

F&M Bank (#14922) largest markets: Woodbury County, IA (26 branches, 26 ZIPs) (#14922), Sarpy County, NE (14 branches, 14 ZIPs) (#14922), Cuming County, NE (11 branches, 11 ZIPs) (#14922), Wayne County, NE (11 branches, 11 ZIPs) (#14922), Dakota County, NE (16 branches, 8 ZIPs) (#14922).

F&M Bank (#14922) reports $354.6 million in total assets; F&M Bank (#14922) equity $41.3 million (11.7% of F&M Bank (#14922) assets); F&M Bank (#14922) domestic deposits $311.6 million; F&M Bank (#14922) net income $3.3 million; F&M Bank (#14922) return on assets 1.83%; F&M Bank (#14922) return on equity 16.82%; F&M Bank (#14922) net interest income $7.1 million; F&M Bank (#14922) call report June 30, 2026.

F&M Bank (#14922) noncurrent real-estate loans: none reported; F&M Bank (#14922) net charge-offs on real estate 0.11%.

F&M Bank (#14922) net interest margin 4.12% against an eight-quarter F&M Bank (#14922) average of 4.15% (F&M Bank (#14922) compression 0.03 points); F&M Bank (#14922) rate-exposure score 40/100, F&M Bank (#14922) fixed-rate trap 40/100; F&M Bank (#14922) risk type credit driven; F&M Bank (#14922) rate regime rates elevated, F&M Bank (#14922) snapshot October 20, 2026.

F&M Bank (#14922) stress score moved from 54.9 on June 22, 2026 to 48.2 on October 20, 2026; F&M Bank (#14922) ranged 48.2 to 54.9 over 117 snapshots.

F&M Bank (#14922) alerts: 5 counties; top F&M Bank (#14922) alert scores: Wayne County, NE 33 (low); Gretna County, NE 18 (low); Sioux City County, NE 18 (low); South Sioux City County, NE 18 (low); West Point County, NE 18 (low).