This institution is no longer active

Operations ceased on January 3, 2000. CRA examination history below reflects the period it was active.

F & M BANK - WINNEBAGO COUNTY

OMRO, WI · Supervised by FDIC

Est. 1892FDIC #8,708RSSD: FDIC-8708

Part ofCITIZENS BANKING CORP→ View all charters

Satisfactory Same

Current rating · Exam: February 1994

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.18%

Institution Profile

FDIC BankFind

Address

124 East Main Street, OMRO, WI

County

Winnebago County

Established

January 1, 1892

Total Assets

$105M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 1999Call Report / FDIC

Total Assets

$105M

Total Deposits

$92M

Net Loans

$77M

Net Income

$1M

ROA

1.18%

ROE

14.45%

Risk-Based Capital

12.05%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/fb97b239-bd4b-48bb-b249-567cf50b28ac"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: