F&M BANCSHARES INC is the parent banking group. FARMERS AND MERCHANTS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

F&M BANCSHARES INC

Legal name: F & M BANCSHARES, INC.

1 active bank · $256M combined assets

RSSD ID: 2344641 (FFIEC NIC)

Combined Assets

$256M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFARMERS AND MERCHANTS BANKDE LEON, TXSatisfactory$256MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$256M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$220M

Net Income

$910K

ROA (avg)

1.45%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FARMERS AND MERCHANTS BANK	DE LEON, TX	FDIC	$256M	100.0%	Satisfactory	Dec 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.