🏦Bank Scorer

F&M BANK

FALLS CITY, NE · Supervised by FDIC

Est. 1882FDIC #5,401RSSD: FDIC-5401
Part ofR DEAN PHILLIPS BK TR DATED 11-19-2004→ View all charters
Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.29%

Institution Profile

FDIC BankFind

Address

1701 Stone St, FALLS CITY, NE

County

Richardson County

Established

January 1, 1882

Total Assets

$142M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$142M

Total Deposits

$122M

Net Loans

$55M

Net Income

$440K

ROA

1.29%

ROE

11.42%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$128M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2013

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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