F&M Bank: how it compares with its peers
Against 43 OK banks with half to twice its assets, F&M Bank's strongest measure in Q2 2026 is net interest margin (4.45% vs. a 4.17% peer median). Its weakest relative measure is return on assets (1.24% vs. 1.33%).
| Measure | F&M Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.33% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 4.17% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.13% | 63.04% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.9M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.11% | 80.95% | Context |
What it means for lending operations
Its efficiency ratio of 56.13% is better than the 63.04% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- SpiritBank Tulsa, OK · $913M
- Valliance Bank Oklahoma City, OK · $923M
- Security Bank Tulsa, OK · $939M
- First Liberty Bank Oklahoma City, OK · $885M
- First National Bank of Oklahoma Oklahoma City, OK · $950M
- First Bank & Trust Co. Duncan, OK · $952M
Questions about F&M Bank
How big is F&M Bank?
F&M Bank, established in 1902, is headquartered in Edmond, OK. It reported $915M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is F&M Bank's return on assets?
1.24% annualized in Q2 2026, against a 1.33% median for 43 OK banks with half to twice its assets, ahead of 44% of them.
What is F&M Bank's efficiency ratio?
56.13% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 63.04%, and lower is better.
Is F&M Bank growing its loans?
Net loans grew 16.3% over the year to Q2 2026, while deposits grew 22.4%.
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 OK 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 Oklahoma bank ranked.