F&M BANCSHARES INC is the bank holding company. F&M BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.
Bank Holding Company
F&M BANCSHARES INC
Legal name: F&M BANCSHARES, INC.
1 active bank · 1 merged/absorbed · $925M combined assets
RSSD ID: 1054550 (FFIEC NIC)
Combined Assets
$925M
CRA Rating Summary
Satisfactory1charter
Across all 14 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$925M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$789M
Net Income
$3M
ROA (avg)
1.19%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| F&M BANK | EDMOND, OK | FDIC | $925M | 100.0% | Satisfactory | Dec 2025 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.