F&M Bank: how it compares with its peers
Against 56 NE banks with half to twice its assets, F&M Bank's strongest measure in Q2 2026 is return on assets (1.46% vs. a 1.35% peer median). Its weakest relative measure is net interest margin (3.44% vs. 3.87%).
| Measure | F&M Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.35% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.44% | 3.87% | Bottom third Ahead of 25% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.13% | 57.46% | Middle third Ahead of 46% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $8.7M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 48.18% | 82.63% | Context |
What it means for lending operations
Its efficiency ratio of 58.13% is above the 57.46% 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
- First Central Bank Cambridge, NE · $138M
- American Interstate Bank Elkhorn, NE · $132M
- West Plains Bank Ainsworth, NE · $139M
- Hershey Bank Hershey, NE · $141M
- Bank of Dixon County Ponca, NE · $142M
- First Central Bank McCook Mccook, NE · $123M
Questions about F&M Bank
How big is F&M Bank?
F&M Bank, established in 1882, is headquartered in Falls City, NE. It reported $135M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is F&M Bank's return on assets?
1.46% annualized in Q2 2026, against a 1.35% median for 56 NE banks with half to twice its assets, ahead of 55% of them.
What is F&M Bank's efficiency ratio?
58.13% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 57.46%, and lower is better.
Is F&M Bank growing its loans?
Net loans shrank 7.0% over the year to Q2 2026, while deposits shrank 10.3%.
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 NE 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 Nebraska bank ranked.