F&M Bank and Trust Company: how it compares with its peers
Against 95 MO banks with half to twice its assets, F&M Bank and Trust Company's strongest measure in Q2 2026 is assets per employee ($5.4M vs. a $6.2M peer median). Its weakest relative measure is return on assets (0.90% vs. 1.33%).
| Measure | F&M Bank and Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.90% | 1.33% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 4.03% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.12% | 59.95% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $6.2M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.96% | 79.44% | Context |
What it means for lending operations
Its efficiency ratio of 69.12% is above the 59.95% 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
- State Bank of Southwest Missouri Springfield, MO · $184M
- Citizens' Bank of Charleston Charleston, MO · $185M
- Citizens Bank Butler, MO · $188M
- NEW FRONTIER BANK Saint Charles, MO · $176M
- Progressive Ozark Bank Salem, MO · $191M
- Adrian Bank Adrian, MO · $196M
Questions about F&M Bank and Trust Company
How big is F&M Bank and Trust Company?
F&M Bank and Trust Company, established in 1886, is headquartered in Hannibal, MO. It reported $182M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is F&M Bank and Trust Company's return on assets?
0.90% annualized in Q2 2026, against a 1.33% median for 95 MO banks with half to twice its assets, ahead of 21% of them.
What is F&M Bank and Trust Company's efficiency ratio?
69.12% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 59.95%, and lower is better.
Is F&M Bank and Trust Company growing its loans?
Net loans grew 8.0% over the year to Q2 2026, while deposits shrank 1.4%.
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 MO 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 Missouri bank ranked.