Bank Holding Company
F&M BANCSHARES INC
Legal name: F & M BANCSHARES, INC.
1 active bank · $256M combined assets
RSSD ID: 2344641 (FFIEC NIC)
Combined Assets
$256M
CRA Rating Summary
Satisfactory1charter
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$256M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$220M
Net Income
$910K
ROA (avg)
1.45%
asset-weighted avg
Tier 1 Capital (avg)
0%
asset-weighted avg
Bank Charters
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| FARMERS AND MERCHANTS BANK | DE LEON, TX | FDIC | $256M | 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.