# F&M BANK
EDMOND, OK · FDIC certificate 12761 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $915.3M | |
| Deposits | $799.0M | |
| Loans and leases | $655.4M | |
| Total equity | $95.9M | |
| Loans / deposits | 81.11% (p48 of band) | 82.04% |
| Liquid assets / assets | 24.05% (p48 of band) | |
| Uninsured deposits / deposits | 25.09% (p47 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.35% (p37 of band) | |
| FHLB advances / assets | 1.11% | |
| Tier 1 leverage | 10.00% (p34 of band) | 10.81% |
| Unrealized securities loss / equity | -3.19% (p71 of band) | -8.10% |
| AOCI / equity | 0.51% (p92 of band) | |
| ROA (annualized) | 1.24% (p48 of band) | 1.28% |
| Net interest margin | 4.45% (p80 of band) | 3.91% |
| Efficiency ratio | 56.13% (p34 of band) | |
| Noncurrent loans | 0.36% (p45 of band) | 0.43% |
| Net charge-offs (annualized) | 1.35% (p99 of band) | |
| Reserve coverage of noncurrent | 314.66% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 86.78% (p81 of band) | |
| Auto loans | $3.5M (0.53% of loans; DQ 0.80%, NCO 0.00%) | |
| Loans to nondepository financials | $9.1M (10% of equity) (p97 of band) | |
| Deposits YoY | 22.4% | |
| Employees | 126 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | construction >100% equity | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 2 | charge-offs p90 |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | charge-offs p90 |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 0 |  | construction >100% equity |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 1 | construction >100% equity |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | construction >100% equity |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | construction >100% equity |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-12 | 1 |  | noncurrent p90 |
| 2026-03 | 1 | capital falling | reserve under noncurrent |
| 2026-06 | 1 | charge-offs p90 | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-06 [F&M Bank expands in Oklahoma with acquisition of Community National Bank of Okarche - Guthrie News Page](https://news.google.com/rss/articles/CBMisAFBVV95cUxOWG1UdTRKTHhQbXVHajlFVEJLei1NczQ2am1fNWJ3Rkw5czRkR3ZIR2JkSVhfVGFOZF9qa1ZPaFc3dGhHVlA5S1hxbndCbXdtUmEtaG5mVkVlVVBmRjFsVTloV3RncV9OUGdZQ0VBS2VmR3R6bFlBS1BPZGhqMGtfQVkzQVpaT0tmOUNDTEx3em5XOHRra1A0eGFRUUFfWWJmczRBaHVWTHBPSjA0LWlqdQ?oc=5) · Guthrie News Page
- 2025-12-09 [Of 5 Oklahoma banks FDIC evaluated on CRA, 1 rated superior - southwestledger.news](https://news.google.com/rss/articles/CBMilAFBVV95cUxNYjZ0NkxyQVRlaU9ReDNCbEdNUDV6Z3hDZXlHM0ZuY0trM3hDVng0SERjYUZ5ZTBGUVgxaGtvc3NQMFFqak0yTzhYaXgzNGROQ0szNkRWMWFndTJteEoyVXhESTNoazIzS3NjdWxJYmdyMU9oSUhkcnByVUdCYVg4ekwydUc0WnVYaUpOQUlaN1AxQjlv?oc=5) · southwestledger.news
- 2026-07-22 [VENU Taps Legends Global For Management At Regent Bank Amphitheater In Oklahoma - Pollstar News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNSWJTV28wWkpDa2UxMjRBaTJCcXFqUEFTOGpuZmhGZGx3VDdVamdlTEJUd2ZxenVjVHdwOXhGcl9ESjd0RmMzSGtnajhPQURKZEFGQ1p3elJZdU1nZnEtVFk1SzR4Y05yMURucHQxYlF4b2k1SlNqbGNubnA1YXNxRWMxY09KU252VVIyMmVMMkxZT1NTMEZxd2xRT2k4VzI0Y3dhdlpSUEI1aGt0cmJRUXBuLW4yMHp3?oc=5) · Pollstar News
- 2026-02-06 [Stephen Redd Pattison Obituary Feb 6, 2026 - Fitzgerald Funeral Service](https://news.google.com/rss/articles/CBMid0FVX3lxTE5XSFUxNmptQXhlM1hFeGxxWmFJdnM1c0RCQlFyTFVVdU9KOE9YMWhHSHRDNkpad1hhU2JpajJhLUlla0FLRlpCNmJRTU1zb2F1NEJWUHNLWkd0RUZrRGxTV3k1SVlkWTl5bnJPME5wX0dXQmNvM2Jv?oc=5) · Fitzgerald Funeral Service
- 2017-03-19 [Executive Q&A with John V. Anderson: F&M Bank chairman marks 70 years in banking - The Oklahoman](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNdU00M2dXWndIM1M5d2lwSWhkUGhUU242S2JEWjJzT0dZb1o4ckF0QUs0ckpROC1acTRTc1QzOTFQZXRuQmJldTNGVUVrelpRR1NzVUQyM1pVZnhrc1JnNW1ReEZZalB3czc5WjBjY1AzdFk5eEpTbGZnUlVGeFMzZkZxQnJuMmk4SEVwX1dDS1ZTckhvbFVEc0tZaG10WVVEOWZsMDEyNEVGVUlUb1dpNDBBNWt3ZEcwMElsVlhtNHFXazNMcm43STBJV3dxcll6bXJJOU1CMXRTRWR3RkJEVE90MA?oc=5) · The Oklahoman
- 2023-01-13 [F&M Bank promotes J.T. Anderson II - Guthrie News Page](https://news.google.com/rss/articles/CBMibkFVX3lxTFBpR0x1Y28zRll6YXhXa1NwdVM4MVVtTzZ1ajR3VjRmSGlDWnFiNDk3Ry1hOG96RGJKNU5GYlhvOHgzaVlGUU1rTmpYdGR3M0dxR1A5Zks5Nkx1cTJNM2ZpdnNuM0ZPNzdKajFSWHVB?oc=5) · Guthrie News Page
- 2014-06-18 [Former F&M Bank execs sue Prosperity Bank over employment terms - journalrecord.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOQ1hVeFU4V0tZUXpOVW00VUNJY3hIOExLQS02Tmh5UGFVTWJlaGROVHJpeDZQTGNOaUFEOEw1RjFUblBUYkw0VFk3X1J1aHVDZEFwVldBOG9ad2wybTNfdHZadW5IRl9hakc1ek1JNFdvMDYxQ1UwZ2ktcHRGREtIcndaandKN2c2QndmR0tEYVhtVzNVYjY0VVFnN3E5cHlKeVI2ejk3MThYT0Yx?oc=5) · journalrecord.com
- 2018-07-17 [Bob King, top executive at The Bank of Fayetteville, hired by Grand Savings Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMisgFBVV95cUxOZUVlMU9LVzBBdDFxdlV1dHpkZzJNa3NqUlBkdXRPb1hYRkZyWnJLMG5sckVhVDBzNF9aNmFWVnZMZm5sT1RvMGdhMEpmVkRHbkl0ODRUUTBaMUVybzVnYW5VU05xS0wzSnpQR3k2Y0tWY3ExWk1FbFJ4VG1HNHRCa0RrV3F6V3lOVFR2Yk1uY09KeTNvdlJvZVNiZGRLNzljRFJLRUE3ZFVDUnRyWHBfZ3RR?oc=5) · Talk Business & Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12761 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "12761", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide