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F & M Community Bank, National Association
Preston, MN · FDIC Certificate #10967 · Chartered 03/1
Total assets
$211.09M
Total deposits
$184.45M
Total equity
$17.31M
Net loans
$148.89M
Branches (offices)
3
Net income (YTD)
$1.12M
Rank: #2,909 of 4,213 U.S. banks by assets · #112 of 221 in Minnesota. Assets changed 1.0% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 13.10% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 8.20% |
| Tier 1 leverage ratio | 9.93% |
| Uninsured deposits (share of deposits) | 16.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 80.7% |
| Real estate loans (share of loans) | 85.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $127.78M | 85.8% | |
| Commercial & industrial | $7.87M | 5.3% | |
| Consumer / individual | $1.96M | 1.3% | |
| Construction & development | $1.91M | 1.3% | |
| Agricultural | $12.83M | 8.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $184.52M | $170.32M | $741.00K | $13.47M |
| Jun 2023 | $205.14M | $175.41M | $571.00K | $13.09M |
| Jun 2024 | $205.29M | $176.04M | $268.00K | $13.74M |
| Jun 2025 | $209.00M | $179.47M | $883.00K | $15.40M |
| Jun 2026 | $211.09M | $184.45M | $1.12M | $17.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $184.45M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $184.45M.
Similar-sized banks
Kendall Bank ($211.11M) · The Jefferson Bank ($210.78M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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