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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Falls City, NE · FDIC certificate #5401
F&M BANK is an FDIC-insured institution based in Falls City, NE (FDIC certificate #5401). In its Q3 2026 Call Report it reported total assets of $134M, total deposits of $114M and net loans of $57M. Its primary federal regulator is FDIC.
Plain-language readout
F&M BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $142M in Q1 2026 and were lowest at $134M in Q3 2026.
Total deposits were highest at $122M in Q1 2026 and lowest at $114M in Q3 2026.
Over the whole period total assets fell 5.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $134M | $114M | $57M | 1.74% | 14.92% | 3.47% |
| Q2 2026 | $135M | $115M | $55M | 1.46% | 12.69% | 3.44% |
| Q1 2026 | $142M | $122M | $55M | 1.29% | 11.42% | 3.28% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $35.0M | $43.9M | -$8.9M | -20.2% |
| Federal funds sold | $739K | $3.5M | -$2.8M | -78.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $41.2M | $36.5M | +$4.7M | +12.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $55.4M | $55.1M | +$344K | +0.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.4M | $1.3M | +$13K | +1.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.5M | $2.0M | -$466K | -23.5% |
| Total assets | $135.3M | $142.3M | -$7.0M | -4.9% |
| Liabilities | ||||
| Total deposits | $115.1M | $122.4M | -$7.3M | -6.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $4.0M | $3.6M | +$374K | +10.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $307K | $759K | -$452K | -59.6% |
| Total liabilities | $119.3M | $126.7M | -$7.4M | -5.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $500K | $500K | $0K | 0.0% |
| Surplus | $10.7M | $10.7M | $0K | 0.0% |
| Retained earnings | $5.1M | $4.5M | +$549K | +12.2% |
| Accumulated other comprehensive income | -$323K | -$134K | -$189K | -141.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $15.9M | $15.6M | +$360K | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $17.0M | $16.7M | +$364K | +2.2% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.63% | 11.88% | -0.25 pts | See points |
| Construction and land loans to total capital | 16.77% | 17.62% | -0.84 pts | See points |
| Commercial real estate to total capital | 33.76% | 35.33% | -1.57 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.98% | -0.83% | -1.15 pts | See points |
| Liquidity | ||||
| Core deposits | $111.3M | $118.6M | -$7.3M | -6.2% |
| Non-core funding | $7.7M | $7.3M | +$390K | +5.3% |
| Loans to core deposits | 50.81% | 47.38% | +3.42 pts | See points |
| Loans to deposits | 49.14% | 45.93% | +3.21 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 45.42% | 53.87% | -8.44 pts | See points |
| Loans pledged, share of loans | 28.98% | 29.78% | -0.80 pts | See points |
| Volatile liabilities | $7.7M | $7.3M | +$390K | +5.3% |
| Earnings | ||||
| Earnings before provision, year to date | $1.0M | $451K | +$559K | +123.9% |
| Earnings before provision, single quarter | $559K | $451K | +$108K | +23.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.76% | 5.72% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 4.63% | 3.81% | +0.82 pts | See points |
| Total interest income to average assets | 4.42% | 4.26% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 1.57% | 1.40% | +0.17 pts | See points |
| Cost of savings and money market deposits | 1.38% | 1.34% | +0.04 pts | See points |
| Cost of time deposits | 2.98% | 2.97% | +0.01 pts | See points |
| Total interest expense to average assets | 1.04% | 1.00% | +0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $134M | $114M | $57M | 1.74% | 14.92% | 3.47% |
| 2026-06-30 | $135M | $115M | $55M | 1.46% | 12.69% | 3.44% |
| 2026-03-31 | $142M | $122M | $55M | 1.29% | 11.42% | 3.28% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $128.4M | 0.14% | 97 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.