Main Street
Tulsa, OK 74159
918-748-4100
www.fmbanktulsa.com

FDIC


F&M Bank is headquartered in Tulsa and is the 4th largest bank in the state of Oklahoma. It is also the 320th largest bank in the nation. It was established in 1946 and as of December of 2012, it had grown to 384 employees at 12 locations. F&M Bank has a 5-star health rating.

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F&M Bank Checking Account Rates

ApyMinMaxProduct
1.51%-$25kRewards Checking

Rates updated: 5/22/2013

Data for Q4 2012


Institution Statistics


The F&M Bank & Trust Company
FDIC Certificate #16390
BankRate ReportView
Year Established1946
Employees384
Primary RegulatorFED

Assets and Liabilities

Assets$2.31 billion
Loans$1.86 billion
Deposits$2.08 billion
Equity Capital$203.87 million
Loan Loss Allowance$25.11 million
Unbacked Noncurrent Loans$12.76 million
Real Estate Owned$3.78 million

Historic Data - December 2011

Assets$2.01 billion
Equity Capital$189.79 million
Loan Loss Allowance$19.20 million
Unbacked Noncurrent Loans$28.64 million
Real Estate Owned$3.90 million

Profit Margin - Quarterly

Net Interest Margin3.99%
Return on Assets0.66%
Return on Equity7.32%
Interest Income$90.20 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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, 2012 F&M Bank had $16.54 million in non-current loans and owned real-estate with $228.97 million in equity and loan loss allowances on hand to cover it. This gives F&M Bank a Texas Ratio of 7.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for F&M Bank decreased significantly from 15.57% as of December 31, 2011 to 7.22% as of December 31, 2012, resulting in a positive change of 53.60%.This indicates that the balance sheet and financial strength for F&M Bank has improved significantly in recent periods.
Deposit Growth5
In the past year, F&M Bank has increased its total deposits by $270.63 million, resulting in 14.99% 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.
Capitalization3
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 $2.31 billion in assets with $228.97 million in equity, resulting in a capitalization level of 9.92%, which is average.
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