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This institution is no longer active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 - PORTAGE COUNTY

STEVENS POINT, WI · Supervised by FDIC

Est. 1975FDIC #22,108RSSD: FDIC-22108
Part ofCITIZENS BANKING CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.56%

Institution Profile

FDIC BankFind

Address

5597 Highway Ten East, STEVENS POINT, WI

County

Portage County

Established

September 8, 1975

Total Assets

$141M(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

June 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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

$141M

Total Deposits

$106M

Net Loans

$102M

Net Income

$744K

ROA

0.56%

ROE

5.86%

Risk-Based Capital

10.97%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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