F&M Bank is a bank based in Edmond, Oklahoma, established in 1902, with $925 million in total assets across 11 branches. By Trust Grade it ranks 10th of 170 banks we track in Oklahoma. Its capital ratio of 10.3% is stronger than 53% of similarly sized banks, versus a Oklahoma median of 10.4%. It was profitable over the most recent period, with a 1.19% return on assets. No consumer complaints against F&M Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How F&M Bank compares to Oklahoma peers
How we graded F&M Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.3% capital ratio)
- Strongly profitable (ROA 1.19%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for F&M Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 653 Highway 81, Okarche, OK 73762
- 1216 Piedmont Rd N, Piedmont, OK 73078
- 601 S Main St, Kingfisher, OK 73750
- 1800 E Oklahoma Ave, Guthrie, OK 73044
- 11000 Surrey Hills Blvd, Yukon, OK 73099
- 2211 S Division St, Guthrie, OK 73044
- 121 E Waterloo Rd, Edmond, OK 73034
- 116 S Grand St, Crescent, OK 73028
- 1401 Health Center Pkwy, Yukon, OK 73099
- 101 N Main St, Fairview, OK 73737
- 17100 N May Ave, Edmond, OK 73012
Are deposits at F&M Bank insured?
Yes. F&M Bank is an FDIC-insured bank (FDIC certificate #12761). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
F&M Bank: frequently asked questions
Is F&M Bank a good bank?
F&M Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.3% capital ratio); Strongly profitable (ROA 1.19%).
Is F&M Bank FDIC-insured?
Yes. F&M Bank is a FDIC-insured bank (FDIC certificate #12761). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is F&M Bank?
F&M Bank holds $925 million in total assets, ranking 10th of 170 banks we track in Oklahoma. It operates 11 branches.
Does F&M Bank have CFPB complaints?
No CFPB complaints against F&M Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
