F & M Community Bank, National Association: how it compares with its peers
Against 105 MN banks with half to twice its assets, F & M Community Bank, National Association's strongest measure in Q2 2026 is net interest margin (3.82% vs. a 4.01% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $7.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 1.31% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 4.01% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.05% | 61.76% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $7.3M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.72% | 76.39% | Context |
What it means for lending operations
Its efficiency ratio of 71.05% is above the 61.76% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- ESB Bank Caledonia, MN · $209M
- Grand Marais State Bank Grand Marais, MN · $207M
- Wadena State Bank Wadena, MN · $207M
- Minnstar Bank National Association Lake Crystal, MN · $204M
- Lakeview Bank Lakeville, MN · $218M
- Home State Bank Litchfield, MN · $219M
Questions about F & M Community Bank, National Association
How big is F & M Community Bank, National Association?
F & M Community Bank, National Association, established in 1911, is headquartered in Preston, MN. It reported $211M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is F & M Community Bank, National Association's return on assets?
1.06% annualized in Q2 2026, against a 1.31% median for 105 MN banks with half to twice its assets, ahead of 34% of them.
What is F & M Community Bank, National Association's efficiency ratio?
71.05% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 61.76%, and lower is better.
Is F & M Community Bank, National Association growing its loans?
Net loans grew 1.5% over the year to Q2 2026, while deposits grew 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.