This institution is no longer active

Operations ceased on January 3, 2000. CRA examination history below reflects the period it was active.

F&M BANK-LAKELAND

WOODRUFF, WI · Supervised by FDIC

Est. 1920FDIC #8,713RSSD: FDIC-8713

Part ofCITIZENS BANKING CORP→ View all charters

Outstanding Up

Current rating · Exam: February 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.14%

Institution Profile

FDIC BankFind

Address

U.S. Highway 51 And Townline Road, WOODRUFF, WI

County

Oneida County

Established

January 1, 1920

Total Assets

$199M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 1999Call Report / FDIC

Total Assets

$199M

Total Deposits

$160M

Net Loans

$139M

Net Income

$2M

ROA

1.14%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.45%

Risk-Based Capital

12.05%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.14%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.05%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

Exam Date	Rating	Exam Type
Feb 1995	Outstanding	Not Reported
Jun 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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