F&M BANCSHARES INC
Legal name: F & M BANCSHARES, INC.
1 active bank · 1 merged/absorbed · $1.1B combined assets
RSSD ID: 1135806 (FFIEC NIC)
Combined Assets
$1.1B
CRA Rating Summary
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$1.1B
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$936M
Net Income
$3M
ROA (avg)
1.04%
asset-weighted avg
Tier 1 Capital (avg)
0%
asset-weighted avg
Bank Charters
Each charter is examined independently for CRA compliance. Legacy entities were merged or absorbed during corporate consolidation.
CENTENNIAL BANK
TREZEVANT, TN · FDIC · $1.1B
SatisfactoryCITIZENS CITY & COUNTY BANK
Merged 2007TRENTON, TN · FDIC · $30M
Satisfactory
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| CENTENNIAL BANK | TREZEVANT, TN | FDIC | $1.1B | 100.0% | Satisfactory | Sep 2025 |
| CITIZENS CITY & COUNTY BANKMerged 2007 | TRENTON, TN | FDIC | $30M | — | Satisfactory | Mar 2004 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.