F&M FINANCIAL SERVICES INC is the bank holding company. F & M COMMUNITY BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

F&M FINANCIAL SERVICES INC

Legal name: F & M FINANCIAL SERVICES, INC.

1 active bank · $210M combined assets

RSSD ID: 1122178 (FFIEC NIC)

Combined Assets

$210M

CRA Rating Summary

Satisfactory1charter

Across all 5 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankF & M COMMUNITY BANKPRESTON, MNSatisfactory$210MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$210M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$180M

Net Income

$463K

ROA (avg)

0.87%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

84%

Denial Rate

5.33%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
F & M COMMUNITY BANK	PRESTON, MN	FDIC	$210M	100.0%	Satisfactory	Aug 2002

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