Total Assets
$915.3M
Total Deposits
$799.0M
Branches
11
Established
1902
F&M Bank is a bank headquartered in Edmond, Oklahoma, established in 1902. It holds $915.3M in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, F&M Bank earns a TFS Financial Health Grade of B (78.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
78.3 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| F&M BankHQ | 17100 N May Ave | Edmond | OK | 11 |
| F&M Bank | 116 S Grand St | Crescent | OK | 11 |
| F&M Bank | 121 E Waterloo Rd | Edmond | OK | 11 |
| F&M Bank | 101 N Main St | Fairview | OK | 11 |
| F&M Bank | 1800 E Oklahoma Ave | Guthrie | OK | 11 |
| F&M Bank | 2211 S Division St | Guthrie | OK | 11 |
| F&M Bank | 601 S Main St | Kingfisher | OK | 11 |
| F&M Bank | 653 Highway 81 | Okarche | OK | 11 |
| F&M Bank | 1216 Piedmont Rd N | Piedmont | OK | 11 |
| F&M Bank | 11000 Surrey Hills Blvd | Yukon | OK | 11 |
| F&M Bank | 1401 Health Center Pkwy | Yukon | OK | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
78.3
Tier 1 capital ratio
10.00%
Return on assets
1.24%
Non-performing loans
0.36%
Efficiency ratio
56.13%
Asset growth (YoY)
20.65%
Suggested direct comparisons
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First Liberty Bank
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.