F&M Bank and Trust Company

Overview / Commentary
505 Broadway
Hannibal, MO 63401

F&M Bank and Trust Company is headquartered in Hannibal and is the 149th largest bank in the state of Missouri. It is also the 3,446th largest bank in the nation. It was established in 1886 and as of September of 2021, it had grown to 35 employees at 3 locations. F&M Bank and Trust Company has an A+ health rating.


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Health Grade Components

FDIC Certificate #30595
Year Established1886
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD10.21%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$161.8MM$142.9MM
LoansQ3 2021vs Q3 2020$91.9MM$103.6MM
DepositsQ3 2021vs Q3 2020$146.7MM$127.9MM
Equity CapitalQ3 2021vs Q3 2020$14.8MM$14.1MM
Loan Loss AllowanceQ3 2021vs Q3 2020$1.5MM$1.4MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$0$846.00K
Real Estate OwnedQ3 2021vs Q3 2020$250.00K$354.00K
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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

0.05%$250-Statement Savings Account
0.05%$5-Christmas Club

F&M Bank and Trust Company Money Market Rates

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

0.01%$1k-NOW Account
0.01%$1k-Safekeeping NOW Account

F&M Bank and Trust Company CD Rates

0.70%$1k-48 Month CD
0.70%$1k-60 Month CD
0.65%$1k-42 Month CD
0.55%$1k-36 Month CD
0.45%$1k-30 Month CD
0.35%$10k-24 Month CD
0.35%$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

0.65%$2.5k-42 Months IRA
0.55%$2.5k-36 Months IRA
0.45%$2.5k-30 Months IRA
0.35%$2.5k-24 Months IRA
0.30%$2.5k-18 Months IRA
0.25%$2.5k-12 Months IRA

F&M Bank and Trust Company Locations
F&m Bank and Trust Company Branch100 East ChestnutShelbina, MO 63468
F&m Bank and Trust Company Branch201 N Main StPalmyra, MO 63461
F&m Bank and Trust Company Branch4801 Mcmasters AvenueHannibal, MO 63401
F&m Bank and Trust Company505 BroadwayHannibal, MO 63401
F&m Bank and Trust Company Branch902 Highway 24 and 36 EMonroe City, MO 63456

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