F&M Bank and Trust Company

Overview / Commentary

www.bankfm.com

573-221-6424

505 Broadway
Hannibal, MO 63401

F&M Bank and Trust Company is headquartered in Hannibal and is the 141^st largest bank in the state of Missouri. It is also the 3,413^th largest bank in the nation. It was established in 1886 and as of March of 2022, it had grown to 35 employees at 3 locations. F&M Bank and Trust Company has a B+ health rating.

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Health

B+

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	30595
Year Established	1886
Employees	35
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.5%
Return on Equity - YTD	5.91%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$161.7MM$160.7MM
Loans	Q1 2022vs Q1 2021	$88.6MM$98.5MM
Deposits	Q1 2022vs Q1 2021	$149.1MM$145.8MM
Equity Capital	Q1 2022vs Q1 2021	$12.3MM$14.2MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$1.5MM$1.5MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$0$518.00K
Real Estate Owned	Q1 2022vs Q1 2021	$250.00K$250.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

F&M Bank and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$250	-	Statement Savings Account
0.05%	$5	-	Christmas Club

F&M Bank and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%^*	$50k^*	-	Money Market Deposit Account
OTHER TIERS: 0.02% → $1k - $20k \| 0.05% → $20k - $50k

F&M Bank and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$1k	-	NOW Account
0.01%	$1k	-	Safekeeping NOW Account

F&M Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$1k	-	60 Month CD
1.76%	$1k	-	48 Month CD
1.51%	$1k	-	42 Month CD
1.26%	$1k	-	36 Month CD
0.75%	$1k	-	30 Month CD
0.50%	$10k	-	24 Month CD
0.50%	$100	-	24 Month Growing Tree CD
0.30%	$1k	-	18 Month CD
0.25%	$1k	-	12 Month CD
0.15%	$2.5k	-	6 Month CD
0.05%	$2.5k	-	30 Day CD
0.05%	$2.5k	-	91 Day CD

F&M Bank and Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$2.5k	-	42 Months IRA
1.26%	$2.5k	-	36 Months IRA
0.75%	$2.5k	-	30 Months IRA
0.50%	$2.5k	-	24 Months IRA
0.30%	$2.5k	-	18 Months IRA
0.25%	$2.5k	-	12 Months IRA

Locations

F&M Bank and Trust Company Locations
F&m Bank and Trust Company Branch	100 East Chestnut	Shelbina, MO 63468
F&m Bank and Trust Company Branch	201 N Main St	Palmyra, MO 63461
F&m Bank and Trust Company Branch	4801 Mcmasters Avenue	Hannibal, MO 63401
F&m Bank and Trust Company	505 Broadway	Hannibal, MO 63401
F&m Bank and Trust Company Branch	902 Highway 24 and 36 E	Monroe City, MO 63456

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