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Main Street
Tulsa, OK 74159

F&M Bank is headquartered in Tulsa and is the 4th largest bank in the state of Oklahoma. It is also the 285th largest bank in the nation. It was established in 1946 and as of December of 2013, it had grown to 377 employees at 12 locations. F&M Bank has a B+ health rating.

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Reviews (1)

Great Bank!

F&M has been with my family for generations. It is a beautiful bank with a really capable, friendly staff.


Data for Q4 2013

Institution Health


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 December 31, 2013 F&M Bank had $27.81 million in non-current loans and owned real-estate with $238.68 million in equity and loan loss allowances on hand to cover it. This gives F&M Bank a Texas Ratio of 11.65% which is above 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 experienced no significant changes from 7.25% as of December 31, 2012 to 11.65% as of December 31, 2013, resulting in a negative change of 60.61%. This indicates that the balance sheet and financial strength for F&M Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, F&M Bank has increased its total deposits by $257.03 million, resulting in 12.38% 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 has shown is excellent.



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 has $2.57 billion in assets with $238.68 million in equity, resulting in a capitalization level of 9.31%, which is average.

Institution Statistics

FDIC Certificate #16390
Year Established1946
Primary RegulatorFED
Assets and Liabilities
Assets$2.57 billion
Loans$1.74 billion
Deposits$2.33 billion
Equity Capital$214.61 million
Loan Loss Allowance$24.08 million
Unbacked Noncurrent Loans$24.52 million
Real Estate Owned$3.29 million
Historic Data - December 2012
Assets$2.31 billion
Equity Capital$202.91 million
Loan Loss Allowance$25.11 million
Unbacked Noncurrent Loans$24.52 million
Real Estate Owned$3.78 million
Profit Margin - Quarterly
Net Interest Margin3.76%
Return on Assets0.38%
Return on Equity4.42%
Interest Income$94.27 million
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F&M Bank Checking Account Rates

1.25%-$25kRewards Checking
0.07%--Rewards Checking

F&M Bank has 12 locations. Click to view all F&M Bank locations.