F&M Bank: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #9963 · Clarksville, TN. This institution (F&M Bank) no longer appears in the current FDIC branch and deposit filings (#9963) that DLRadar scores; FDIC records the last F&M Bank day as a separately insured institution (#9963) as January 1, 2026. FDIC event for F&M Bank: Participated in Absorbtion/Consolidation/Merger (2026-01-01). DLRadar last scored F&M Bank (#9963) on September 20, 2026. The F&M Bank facts below are its last recorded footprint (#9963), kept as a permanent F&M Bank public record; the F&M Bank figures are not refreshed.
F&M Bank (#9963) carried no scored branch footprint (F&M Bank) in the FDIC filings DLRadar reads; the F&M Bank record exists because FDIC certificate 9963 was a separately insured F&M Bank institution in Clarksville, TN, last seen by DLRadar (#9963) on September 20, 2026.
What the F&M Bank (#9963) record holds: FDIC certificate 9963 for F&M Bank, closed as a separate F&M Bank charter on January 1, 2026; successor Lawrence Bank (FDIC #22451) carries the F&M Bank footprint forward; FDIC event for F&M Bank: Participated in Absorbtion/Consolidation/Merger (2026-01-01); F&M Bank (#9963) first entered DLRadar on September 20, 2026.
How F&M Bank (#9963) was scored while active: the F&M Bank stress score read FDIC call-report financials (#9963) and the Summary of Deposits branch file for F&M Bank, mapped F&M Bank branches to counties and ZIP codes (#9963), and weighted the F&M Bank real-estate loan concentration against its peers; the F&M Bank (#9963) figures on this page are the last such F&M Bank run and are not refreshed.
F&M Bank (#9963) net interest margin 3.47% against an eight-quarter F&M Bank (#9963) average of 3.17% (F&M Bank (#9963) compression -0.30 points); F&M Bank (#9963) non-residential real estate 15.8% of equity; F&M Bank (#9963) rate-exposure score 40/100, F&M Bank (#9963) fixed-rate trap 40/100; F&M Bank (#9963) risk type credit driven; F&M Bank (#9963) rate regime rates elevated, F&M Bank (#9963) snapshot May 27, 2026.
F&M Bank (#9963) is chartered in Clarksville, TN; FDIC lists F&M Bank (#9963) as inactive, succeeded by Lawrence Bank.
Why this F&M Bank page exists: bank identities are historical data (#9963). When an institution such as F&M Bank merges or its charter ends, DLRadar keeps the F&M Bank profile so citations, links and the F&M Bank score history stay resolvable (#9963), and points F&M Bank to the successor where the FDIC records one. Every F&M Bank figure traces to public FDIC data (#9963).