F&M Bank
Edmond, Oklahoma, Oklahoma County
$915M in total assets, the 1,152nd largest of 4,309 US banks and 31st of 171 headquartered in Oklahoma.
- FDIC certificate
- 12761
- Established
- 1902
- Owned by
- F&m Bancshares Inc
- Primary regulator
- FDIC
- Website
- http://www.fmbankok.com
At a glance
Compared with 105 banks headquartered in Oklahoma with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $915M | 95% | $317M | |
| Loans | $655M | 94% | $199M | |
| Deposits | $799M | 95% | $269M | |
| Return on assets | 1.16% | 36% | 1.39% | |
| Net interest margin | 4.45% | 66% | 4.21% | |
| Efficiency ratio | 56.1% | 34% | 60.9% | |
| Equity to assets | 10.48% | 58% | 10.25% | |
| Loans to deposits | 82% | 56% | 80% |
Growth
Total assets grew 8.5% a year over the last 5 years and 9.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2026 | Community National Bank of Okarche Okarche, OK | $121M |
| Jun 2012 | First Capital Bank Kingfisher, OK | $44M |
| Oct 2011 | F & M Bank, National Association, Oklahoma City, Oklahoma Yukon, OK, an affiliate under the same holding company | $81M |
| Jun 1995 | The Bank of Crescent Crescent, OK | $10M |
Where they operate
11 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Logan County, OK | $302M | 25.1% | 2 of 5 |
| Kingfisher County, OK | $213M | 21.2% | 3 of 6 |
| Canadian County, OK | $204M | 6.8% | 5 of 18 |
| Oklahoma County, OK | $43M | 0.1% | 49 of 60 |
| Major County, OK | $37M | 14.2% | 4 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (8 to 11, +37.5%). 1 opened, 2 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2023 | Opened Yukon | 1 | 0 | +1 | 9 |
| 2026 through Q2 | Acquired Community National Bank of Okarche | 2 | 0 | +2 | 11 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 21% | 27% | |
| Business (C&I) | 17% | 14% | |
| 1-4 family residential | 14% | 25% | |
| Construction and land | 13% | 9% | |
| Farmland | 5% | 8% | |
| Agricultural | 3% | 8% | |
| Multifamily | 2% | 2% | |
| Consumer | 1% | 4% | |
| Other | 23% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 48% | 43% | |
| Time deposits | 30% | 34% | |
| Noninterest-bearing | 22% | 23% |
Brokered deposits are 0.0% of deposits (peers 5.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.36% | 0.68% |
| Net charge-offs, annualized | 1.85% | 0.02% |
| Reserves to loans | 1.13% | 1.34% |
| Leverage ratio | 10.00% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Logan County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/f-m-bank-edmond-ok