F&M Bank (TN)

F&M Bank (TN) is headquartered in Clarksville and is the 14^st largest bank in the state of Tennessee. It is also the 842^nd largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 231 employees at 21 locations. F&M Bank (TN) has a 3-star health rating.

F&M Bank (TN) Checking Account Rates

F&M Bank (TN) Savings Account Rates

F&M Bank (TN) Money Market Rates

F&M Bank (TN) CD Rates

F&M Bank (TN) IRA Rates

Data for Q1 2012

Institution Statistics F&M Bank FDIC Certificate # 9963 BankRate Report View Year Established 1906 Employees 231 Primary Regulator FDIC Assets and Liabilities Assets $785.03 million Loans $626.62 million Deposits $632.71 million Equity Capital $63.34 million Loan Loss Allowance $6.82 million Unbacked Noncurrent Loans $11.38 million Real Estate Owned $6.42 million Historic Data - March 2011 Assets $791.95 million Equity Capital $59.83 million Loan Loss Allowance $5.68 million Unbacked Noncurrent Loans $8.01 million Real Estate Owned $9.58 million Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 0.86% Return on Equity 10.76% Interest Income $8.77 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 F&M Bank (TN) had $17.8 million in non-current loans and owned real-estate with $70.15 million in equity and loan loss allowances on hand to cover it. This gives F&M Bank (TN) a Texas Ratio of 25.37% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for F&M Bank (TN) held steady from 26.86% as of March 31, 2011 to 25.37% as of March 31, 2012, resulting in a positive change of 5.54%.This indicates that the balance sheet and financial strength for F&M Bank (TN) has held steady in recent periods. Deposit Growth In the past year, F&M Bank (TN) has decreased its total deposits by -$25.9 million, resulting in -3.93% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth F&M Bank (TN) has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. F&M Bank (TN) has $785.03 million in assets with $70.15 million in equity, resulting in a capitalization level of 8.94%, which is average.

No reviews have been left for this bank yet. Be the first to review.