# F&M BANK
FALLS CITY, NE · FDIC certificate 5401 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $135.3M | |
| Deposits | $115.1M | |
| Loans and leases | $56.5M | |
| Total equity | $15.9M | |
| Loans / deposits | 48.18% (p18 of band) | 73.59% |
| Liquid assets / assets | 56.89% (p85 of band) | |
| Uninsured deposits / deposits | 32.18% (p85 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.92% (p64 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.63% (p48 of band) | 11.76% |
| Unrealized securities loss / equity | -2.02% (p70 of band) | -6.57% |
| AOCI / equity | -2.05% (p12 of band) | |
| ROA (annualized) | 1.46% (p66 of band) | 1.17% |
| Net interest margin | 3.44% (p27 of band) | 3.93% |
| Efficiency ratio | 58.13% (p30 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 66% | |
| Construction % of loans | 18.27% (p51 of band) | |
| Auto loans | $1.5M (2.71% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.3% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 1 | NIM <2.5% | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | NIM <2.5% |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | NIM <2.5% |  |
| 2017-03 | 3 | deposits shrinking, assets shrinking |  |
| 2017-06 | 2 |  | NIM <2.5% |
| 2017-09 | 3 | uninsured deposits leaving |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 1 |  | deposits shrinking, assets shrinking |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 2 | NIM <2.5% |  |
| 2022-06 | 2 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | deposits shrinking, assets shrinking |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | assets shrinking |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | deposits shrinking, assets shrinking |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | deposits shrinking |  |
| 2026-03 | 0 |  | deposits shrinking |
| 2026-06 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2026-08-25 [F&M Bank Begins Construction on New Drive-Up - KMCH.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE56LXRteUtORHllT0JCTDRDSUI5TXpZVXRoSGI3M3pVdklScjlTWUx5akJsWEZMOFlTODFzMmZleC1fY0YzNW9SMmljb0tNRE9GYWdBNk5EbkpmVDBrV3I5aEx5TDNJeTJTTU9aLU1pSnlXejYyblVUZVlyX2Y?oc=5) · KMCH.com
- 2026-08-05 [Long Beach’s new waterfront venue is a good time, despite Porta Potties and no parking - Los Angeles Times](https://news.google.com/rss/articles/CBMijwFBVV95cUxNd0R6T1hPV1ZRRlI1NnJER2UzR2RMVEsyVWl2c3JBZUUySzlpTWpKbEdGbzdDbFpWM3doYmoxYVBGUTlNS3ZoVHNuSXI2ZGNWRzhreER6SXlJN2FFRVo5NHdIQVhvYnExSEhaN0VZN3RSVUVfRXQzQlBoYWMyWHRSZGRMQk9wbF9PVi1zbmtWYw?oc=5) · Los Angeles Times
- 2026-07-08 [Scoping out Long Beach's recently-completed F&M Bank Amphitheater - Urbanize LA](https://news.google.com/rss/articles/CBMimAFBVV95cUxNdWVfcEt1emdTX2ZoX1dLX0tvRV9CQWUzUG1BWnFGQTVSN1YwQWdRd0tSUklmTjEwLVJBTU9uMmhhQzd2VWQ3bHNNU1d2TnM1ZUlKYmlkUXBQM1lKWlJEM25QN3ZFUFVaNnBQMVlsN2hsWHpOOHppZ3B4SEZYTndfVkpES3k2dUo5eng5VXBnVW1sd2FuSWltYQ?oc=5) · Urbanize LA
- 2026-05-23 [Nashville Kats Kick Off New Era at F&M Bank Arena with Jersey Reveal and Community Support - Clarksville Online](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPaktPdzBCeWtOd25fUE9GQWJrNk5UallJSUwwNlFXYVdfY1BONXZsci1XVklkWUxPVVVSVDQwMnhiUURUVl9DY25oOGpaMi1xSHYwM0cyOEJtME9XOFMwaklpaGxpM1NuMTN5aUY5dzkyb3UwWFQ0WkJ1Y0dScDVPeUFMamN6ZFVfU2g4YUVMakliM3VWelI4QTJaODdIcHBHd04tYTRGdjNnNTNmV3hpZFFBWWE4ZXFrQWdyNE4wRGZHSXB6NUIxUk5VZjUyV21r?oc=5) · Clarksville Online
- 2026-06-06 [F&M Bank Amphitheater of Long Beach opens its doors, Snoop Dogg performs 1st concert - Press Telegram](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOUmo0SFoxWnlRbm1IeEstcVQ0blhYR244QmJHaU5wOE80TzNDRFJVVkNLLWxFZ1A1bHI4RDZRLWNZUEJDQ0x6Y01JSVczNGFXZ054YTd4ZUZXcDR2TGlEeFl4d2R3VG8xVUVaSXNEZ1FNNzlfcUpoa0UwMEtLN0VOWklzRUFLbGpiLTFidzk0ZHo1SjZfckhkYUltX1U1ZjBqWllCVGZKVGhOdFhtNlBQWGEzQlFiMk9yU1RxZTI4MmJyZw?oc=5) · Press Telegram
- 2026-06-18 [New Era: F&M Bank Amphitheater of Long Beach Debuts - Precinct Reporter News](https://news.google.com/rss/articles/CBMilAFBVV95cUxPcWhva25aby16WU9wQlgxZ0hWc2ZvTVZKa0gtN1ZQVkxHRU5uMjlvN1NwRXptUmZpVnpsUDVfOTR6NFJCS0wzUlB1eUNCbXdHTEhHWXVzMVFnakljTjRXcTljUkVhZnIyVWpHeEg4WG1TeEQ4cWJGbnNRSS1CQmFvTE5pZzNyUm9YMC04QzNTcGgwVm5U?oc=5) · Precinct Reporter News
- 2026-05-08 [All-new Clarksville Home Show coming to F&M Bank Arena this October - Clarksville Now](https://news.google.com/rss/articles/CBMiogFBVV95cUxOVVEweHVrYm9mNDFZOEF1TnMwSjI0Y0hjS0tSUm1kZkVVdUlrMEhuZUFIbG9HMlY3NWIxLUc1S2NBQnVfMEhjdnV6anF5eHZfbDFlT2M3YzRjTzdoNnRaRGlqSnRqakFDaUltX3dqWTc0TE5VY3dfcUV1dXRSbVc0aUlDajFtT2FXX1dzVG5BcE5lazRNd0lfMHhWWktjWEhhbkE?oc=5) · Clarksville Now
- 2026-05-29 [Long Beach Amphitheater changes its name to F&M Bank Amphitheater — Community Pops Off - Grimy Goods](https://news.google.com/rss/articles/CBMivwFBVV95cUxPSGt0RXd1MFBPWTN6TDlacFF6TjdJQV9KREVmektLX2sxdENQdVBDb0ctQjJ3LW5RdHBfWGlCNEZ3M2JFcHd5SDdadTdJenpCRTh4OUhDZjZXekJNb0VKb05odmtOOXhadEZDNWI0bXZvRXMxalE2S0Y3UXNwd3l3SHZoSVV4VXkxZXpTVjRxV05HT3g5elF6aV9FTE9MU0FwWWxsVFpSVkpqUEswcFMteXZfdHplY0RsN1pZOUJrNA?oc=5) · Grimy Goods

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5401 (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 "5401", 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