F&M Bank (TN)

Overview / Commentary
50 Franklin St
Clarksville, TN 37040

F&M Bank (TN) is headquartered in Clarksville and is the 15th largest bank in the state of Tennessee. It is also the 695th largest bank in the nation. It was established in 1906 and as of December of 2019, it had grown to 296 employees at 23 locations. F&M Bank (TN)'s money market rates are 14% higher than the national average, and it boasts an A+ health rating.

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Reviews (1)


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Used F&M bank to close on a house when I was stationed here. Three weeks before closing rates had dropped significantly. Called lender to have rate dropped on our loan application. The woman at the bank was clearly upset because this would amount to some more paperwork for her. I reminded her she was already making thousands off me, and this would save me thousands. She said she would do it. Two weeks later when we went to close, guess what....no drop in the APR! F&M bank got over on me, cost me thousands of dollars. I left a job making 250,000 a year after 9/11 to serve our country, and this is the thanks I get. DO NOT USE F&M BANK.


Health Grade Components

FDIC Certificate #9963
Year Established1906
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD5.44%
Annual Interest Income$49.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$1.17B$1.11B
LoansQ4 2019vs Q4 2018$845.6MM$886.5MM
DepositsQ4 2019vs Q4 2018$961.6MM$877.7MM
Equity CapitalQ4 2019vs Q4 2018$131.8MM$122.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$3.1MM$3.3MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$2.4MM$2.8MM
Real Estate OwnedQ4 2019vs Q4 2018$296.00K$577.00K
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Always verify rates and promotions with the bank or credit union. We are not F&M Bank (TN); we are a rate comparison website and cannot provide official rates or promotions.

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

F&M Bank (TN) Savings Account Rates

0.25%*$100k*-IRA Plus
OTHER TIERS: 0.05% Up to $3k | 0.10% $3k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.25%--Youth Savings
0.25%--Health Savings Account
0.10%--Smart Savings
0.10%--Business Smart Savings

F&M Bank (TN) Money Market Rates

0.50%*$1m*-Choice Money Market
OTHER TIERS: 0.10% Up to $25k | 0.20% $25k - $50k | 0.35% $50k - $100k | 0.45% $100k - $500k
0.50%*$1m*-Business Choice Money Market
OTHER TIERS: 0.10% Up to $25k | 0.20% $25k - $50k | 0.35% $50k - $100k | 0.45% $100k - $500k

F&M Bank (TN) Checking Account Rates

0.15%*$2.5k*-Choice Interest Checking
OTHER TIERS: 0.05% Up to $2.5k
0.10%--VIP Interest Checking
0.10%--Business Interest Checking
0.10%--50+ Interest Checking

F&M Bank (TN) CD Rates

0.50%$1k-60 Month CD
0.50%$1k-Business 60 Month CD
0.50%$1k-36 Month One Step-Up CD
0.50%$1k-Business 36 Month One Step-Up CD
0.50%$1k-48 Month One Step-Up CD
0.50%$1k-Business 48 Month One Step-Up CD
0.45%$1k-18 Month One Step-Up CD
0.45%$1k-24 Month One Step-Up CD
0.45%$1k-Business 18 Month One Step-Up CD
0.45%$1k-Business 24 Month One Step-Up CD
0.40%$1k-12 Month One Step-Up CD
0.40%$1k-Business 12 Month One Step-Up CD
0.37%$1k-9 Month CD
0.37%$1k-Business 9 Month CD
0.35%$1k-6 Month CD
0.35%$1k-Business 6 Month CD
0.30%$1k-3 Month CD
0.30%$1k-Business 3 Month CD

F&M Bank (TN) IRA Rates

0.50%$1k-60 Month IRA
0.50%$1k-36 Month One Step-Up IRA
0.50%$1k-48 Month One Step-Up IRA
0.45%$1k-18 Month One Step-Up IRA
0.45%$1k-24 Month One Step-Up IRA
0.40%$1k-12 Month One Step-Up IRA
0.37%$1k-9 Month IRA
0.35%$1k-6 Month IRA
0.30%$1k-3 Month IRA


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