This institution is no longer active

Operations ceased on March 31, 1993. CRA examination history below reflects the period it was active.

F&M BANK

FOND DU LAC, WI · Supervised by FDIC

Est. 1980FDIC #23,155RSSD: FDIC-23155

Part ofASSOCIATED BANC-CORP→ View all charters

Satisfactory

Current rating · Exam: October 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.12%

Institution Profile

FDIC BankFind

Address

888 South Main Street, FOND DU LAC, WI

County

Fond Du Lac County

Established

July 14, 1980

Total Assets

$116M(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

October 7, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 1992Call Report / FDIC

Total Assets

$116M

Total Deposits

$103M

Net Loans

$62M

Net Income

$1M

ROA

1.12%

ROE

15.44%

Risk-Based Capital

12.25%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.49%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,430	76.71%	10.49%
2023	2,180	77.25%	9.91%
2022	2,786	78.1%	9.80%
2021	4,188	83%	3.51%
2020	4,996	83.51%	2.48%
2019	3,842	82.33%	3.70%
2018	3,134	81.81%	4.28%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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