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 149^th largest bank in the state of Missouri. It is also the 3,446^th 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

A+

Data as of Q3 2021

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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	0.94%
Return on Equity - YTD	10.21%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$161.8MM$142.9MM
Loans	Q3 2021vs Q3 2020	$91.9MM$103.6MM
Deposits	Q3 2021vs Q3 2020	$146.7MM$127.9MM
Equity Capital	Q3 2021vs Q3 2020	$14.8MM$14.1MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$1.5MM$1.4MM
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$0$846.00K
Real Estate Owned	Q3 2021vs Q3 2020	$250.00K$354.00K

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
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

APY	MIN	MAX	ACCOUNT NAME
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

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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