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 141st largest bank in the state of Missouri. It is also the 3,413th 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 Grade Components

FDIC Certificate #30595
Year Established1886
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD5.91%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$161.7MM$160.7MM
LoansQ1 2022vs Q1 2021$88.6MM$98.5MM
DepositsQ1 2022vs Q1 2021$149.1MM$145.8MM
Equity CapitalQ1 2022vs Q1 2021$12.3MM$14.2MM
Loan Loss AllowanceQ1 2022vs Q1 2021$1.5MM$1.5MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$0$518.00K
Real Estate OwnedQ1 2022vs Q1 2021$250.00K$250.00K
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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

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

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

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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