F&M BANCSHARES INC is the bank holding company. FARMERS AND MERCHANTS STATE 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 · $140M combined assets

RSSD ID: 2622219 (FFIEC NIC)

Combined Assets

$140M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFARMERS AND MERCHANTS STATE BANKLANGDON, NDSatisfactory$140MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$140M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$110M

Net Income

$513K

ROA (avg)

1.41%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

88.89%

Denial Rate

5.56%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FARMERS AND MERCHANTS STATE BANK	LANGDON, ND	FDIC	$140M	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.