# F&M BANK
CLARKSVILLE, TN · FDIC certificate 9963 · asset band $1-10B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $1.55B | |
| Deposits | $1.37B | |
| Loans and leases | $1.15B | |
| Total equity | $160.4M | |
| Loans / deposits | 83.68% (p41 of band) | 86.41% |
| Liquid assets / assets | 18.51% (p38 of band) | |
| Uninsured deposits / deposits | 24.03% (p28 of band) | 31.00% |
| Brokered deposits | 1.29% | |
| Wholesale funding | 1.60% (p26 of band) | |
| FHLB advances / assets | 0.31% | |
| Tier 1 leverage | 9.53% (p27 of band) | 10.37% |
| Unrealized securities loss / equity | -11.25% (p36 of band) | -7.29% |
| AOCI / equity | 3.69% (p59 of band) | |
| ROA (annualized) | 0.93% (p32 of band) | 1.12% |
| Net interest margin | 3.47% (p45 of band) | 3.59% |
| Efficiency ratio | 72.35% (p81 of band) | |
| Noncurrent loans | 0.17% (p21 of band) | 0.50% |
| Net charge-offs (annualized) | 0.01% (p28 of band) | |
| Reserve coverage of noncurrent | 417.30% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 60.19% (p62 of band) | |
| Auto loans | $660,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | -8.8% | |
| Employees | 180 | |

## Flags firing in the latest filing

- **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 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | brokered >10% |  |
| 2012-03 | 3 |  | brokered >10% |
| 2012-06 | 4 | loans exceed deposits |  |
| 2012-09 | 5 | brokered >10% |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 4 |  | loans exceed deposits |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 6 | loans exceed deposits, capital falling |  |
| 2014-09 | 5 |  | capital falling |
| 2014-12 | 4 |  | loans exceed deposits |
| 2015-03 | 4 |  |  |
| 2015-06 | 6 | loans exceed deposits, capital falling |  |
| 2015-09 | 4 |  | reserve under noncurrent, capital falling |
| 2015-12 | 5 | expense ratio p90, NIM <2.5%, reserve under noncurrent | brokered >10%, loans exceed deposits |
| 2016-03 | 3 |  | expense ratio p90, NIM <2.5% |
| 2016-06 | 6 | loans exceed deposits, brokered >10%, liquid assets <10% |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 6 | capital falling | brokered >10% |
| 2017-03 | 7 | brokered >10% |  |
| 2017-06 | 8 | uninsured deposits leaving |  |
| 2017-09 | 7 |  | reserve under noncurrent |
| 2017-12 | 6 |  | capital falling |
| 2018-03 | 5 |  | liquid assets <10% |
| 2018-06 | 5 | capital falling | uninsured deposits leaving |
| 2018-09 | 4 |  | capital falling |
| 2018-12 | 3 |  | brokered >10% |
| 2019-03 | 3 | capital falling, expense ratio p90 | wholesale funding >15%, loans exceed deposits |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | capital falling | expense ratio p90 |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 2 | expense ratio p90 |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | expense ratio p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 1 |  | capital falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | capital falling, uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | construction >100% equity, capital falling |
| 2024-12 | 2 | deposits shrinking, assets shrinking |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | uninsured deposits leaving |  |

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

- 2026-01-02 [F&M Bank, Volunteer Bank align under Lawrence Bank charter, preserving local brands - Clarksville Now](https://news.google.com/rss/articles/CBMitAFBVV95cUxPOXJXaFFoTTBERVA3NzFxeEVlanlmQnE4WllhNEdER3VDaXFtUEZHb0U3dWh4eHh5XzUydlBlMDU2b2RWd0s0NEsyWTRCX1NmWFJkdHl2VDJ5YXpTSk9TdTZHazhoaDdkQXV4RWJCNXRqdFJUUjZYYmlKVV9TZDFVY2VIdzdiYUxNdXRveHFmcl80cVdzREd1aFF0bFdueld5SnZhbkdUenJhdGZMTFZJUXFBSDc?oc=5) · Clarksville Now
- 2026-07-24 [Overnight Fire Damages Closed F&M Bank Building In White House - Smokey Barn News](https://news.google.com/rss/articles/CBMijgFBVV95cUxOS0s1clNlS0hOR3NIMlIzc1gwRkF0QV9hMXhQRWhvTmpTbGtTZC1qUEpLSldNQXZCZlp6SDlmMGlzZmVYeF9mMVFHQVZZZWdqVEJMcWNwZ0hZT24wTjB5b2pXaU80d1dtQkdSQmsyZUdvOFNGdnRfNGU1bUFzYjVXNGdLUjNHZ0IzUjRPQWpB?oc=5) · Smokey Barn News
- 2026-07-17 [Clarksville’s F&M Bank Arena to Host LFA 240 as Sanders and Gomez Battle in International Main Event - Clarksville Online](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPeGFtYS1paC15Q0tOZEZCMk9RZzV2OF90TEtqNWktOE1kLWM3SG5TX2lkMXpMU25hNUk0TDFhVEZ3VFlNQ2swRXNnRDYzUmVpNVpJMmx1Wm9WT1V4WUxxYmhGeTFnc3R6amhhMUd3Z0tQR2FkSTJCWUZWXzgybDUxUzNyRWtXLUFGZUxGY3FzSUQxa3cwbjU2VV9pclZIcTNRSW1lRTNUWVd4VEhOdEhETk54N2NzVUhaaFNKNVZHVlA4RmFQaWQ3bjVLYXBIY2lsUkdwRXdMaUNTQ01O?oc=5) · Clarksville Online
- 2026-07-23 [Leader named at Gaylon Lawrence Jr.'s last-standing TN bank following merger - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOa1E0anFXVlpoUWZoRF93bm02dllrb29zdWdvRVhuMnF1NzNJSnpzSlZsRkRVSW9zYklla1R2X2hydHI1NExZb24xYUJzZl9zQ2pZcURUc2h6ako2ZmZWdEk1UTRQUFFGdUQ0RkRreXRSaUNBRjlzN0pRWVNmb2NQQVRldlVDbGlHY3Y0bkJNcTZXZWZBNlF1REhJZUFJSksyQ0I1OWdsZw?oc=5) · The Business Journals
- 2026-05-08 [First-ever Clarksville Black rodeo comes to F&M Bank Arena - WKRN News 2](https://news.google.com/rss/articles/CBMikwFBVV95cUxQSjFMdFFrSzZTVDR5cWRFVzRUMGxmXzJnZ0dzN3VkeVpLMmVTZGF3NG9NeXBVSWRiYWlJaHB5dndlR0tUbkY2ZWhVaTRlSUZ6OEJfTWx0RjV5T1ZCOFBVcEJXRG1samVnbmlhSFV2bFN3dXJCSk9KRkFicDRfaThhcDB2SVI0ZWhBakRiOXc0dTNUM3fSAZgBQVVfeXFMUGlZak1mUUppbU5QQlFFci16NUJhcFpfWC1KemhPN3hsZkZNWkRuR1hoQ2ZkRjdtdWQtWTJhNmV0SXB6RlhiTDZwVVQyeGlra1F5Vjd5RnJkdG5RQVEzZHg2UjBaaU5FaklKczNIRWFOM0hXMHI5aVRDYzRzUGFkRnpsR29TdUg2LUdyRXlrZGJwVjJQSVI0aTU?oc=5) · WKRN News 2
- 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
- 2026-05-06 [First Clarksville Invitational Black Rodeo coming to F&M Bank Arena this summer - Clarksville Now](https://news.google.com/rss/articles/CBMisgFBVV95cUxQRDQ3RDNiMXJXNEFVbks4R01wZTA1ZG9UYmt4N3p4UHVPblAzVmI2X2JKdHJqekNGQkVUc1F6RXhTbTZwNHpBRGtweV9uSkg4Z0t1Mk4zWXdGRjNIODI5TmlkYkdUYUpsSmZkb0JLaWVLOXFzN3ExWFRZRnhWUDgtLUQxdlNZRzF0eS1yRDg5c2JFbThGWkVhS093VXhFaWZvWHJPYWtSMGxiWndUeTVObkNR?oc=5) · Clarksville Now
- 2025-11-10 [From groundbreaking to game-changer: How F&M Bank Arena put Clarksville on the map - WKRN News 2](https://news.google.com/rss/articles/CBMieEFVX3lxTE55OG9wOW5uNzdSYjFyb0FuTjdYQW43MklBMUE2V29IcHFna1FQVHdJaUthbVBNMXJsSElRM3ROR3diUHhmenV4YnppZnlNYzNOdnV2YkF3TE9oWWQzVFBkdTNaYlV1ak53T2FpdFJTSkV5QnpjQ2lrU9IBfkFVX3lxTE1kQXkyQmxkUEZNNGFXMGdGX2JRMFFBVEt4OU41UWt0Nk9oYWJFUFZ3djZIMDltMThwbDZtaEpYNVdMVk5qdGtpTFluVnl4U0Z2dU9XQU5uZjdDWXFaVTJBRFJwVUtQUVNkeGlyak9SQmJJeXNmbmRvb2NGd2RhQQ?oc=5) · WKRN News 2

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9963 (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/43.json (key "9963", 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