F&m Bank Mortgage Rates, Fees & Info

Clarksville, TN

LEI: 549300YRN588YD6VNJ18

Tax ID: 62-0198065

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    F&m Bank is a smaller bank specializing in Home Purchase loans. F&m Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Nashville, Clarksville, Cookeville, Tullahoma, and Shelbyville among others. We have data for 52 markets. (Some data included below & more in-depth data is available with an active subscription.)

    F&m Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. F&m Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/16/24
    30 Year Conventional Purchase 6.49% 12/16/24
    30 Year Conventional Refi 6.54% 12/16/24
    30 Year Cash-out Refi 6.62% 12/16/24
    30 Year FHA Purchase 7.02% 12/16/24
    30 Year FHA Refi 6.27% 12/16/24
    30 Year VA Purchase 5.96% 12/16/24
    30 Year VA Refi 6.27% 12/16/24
    30 Year USDA Purchase 6.52% 12/16/24
    15 Year Conventional Purchase 6.06% 12/16/24
    15 Year Conventional Refi 6.42% 12/16/24
    15 Year Cash-out Refi 6.42% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    F&m Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from F&m Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,399

    Origination Dollar Volume (All Markets)

    $589,015,000

    Employee count

    280 Show all (8) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1,572 $418,260,000 $266,069 $4,167 4.56%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 689 $140,755,000 $204,289 $5,204 4.61%
    Outside of Metro Areas 27 $5,345,000 $197,963 $3,640 4.88%
    Cookeville, TN (FHA|USDA|VA) 13 $2,395,000 $184,231 $5,019 4.86%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 10 $2,310,000 $231,000 $4,361 4.58%
    Shelbyville, TN (FHA|USDA|VA) 10 $2,180,000 $218,000 $5,086 4.46%
    KNOXVILLE, TN (FHA|USDA|VA) 8 $1,880,000 $235,000 $4,085 4.64%
    Lewisburg, TN (FHA|USDA|VA) 9 $1,775,000 $197,222 $3,835 4.60%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 6 $1,100,000 $183,333 $4,488 4.46%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $915,000 $305,000 $2,923 4.25%
    Sevierville, TN (FHA|USDA|VA) 2 $780,000 $390,000 $0 4.63%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $595,000 $595,000 $2,848 4.25%
    JACKSONVILLE, FL (FHA|USDA|VA) 2 $490,000 $245,000 $5,452 4.19%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $480,000 $240,000 $3,917 4.56%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $450,000 $225,000 $5,180 4.13%
    BOWLING GREEN, KY (FHA|USDA|VA) 2 $440,000 $220,000 $7,403 4.06%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $410,000 $205,000 $2,246 4.63%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $405,000 $405,000 $2,978 4.38%
    Cullowhee, NC (FHA|USDA|VA) 1 $385,000 $385,000 $3,820 5.00%
    Dayton, TN (FHA|USDA|VA) 1 $375,000 $375,000 $3,323 4.63%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $375,000 $375,000 $2,978 4.38%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $365,000 $365,000 $7,506 4.13%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $365,000 $365,000 $3,601 5.25%
    McMinnville, TN (FHA|USDA|VA) 2 $330,000 $165,000 $5,596 4.44%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $315,000 $315,000 $2,976 4.50%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $305,000 $305,000 $8,257 4.25%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,409 4.50%
    Paris, TN (FHA|USDA|VA) 2 $300,000 $150,000 $3,738 3.94%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $285,000 $285,000 $3,261 4.63%
    Lawrenceburg, TN (FHA|USDA|VA) 2 $280,000 $140,000 $3,326 4.63%
    Union City, TN (FHA|USDA|VA) 1 $255,000 $255,000 $7,652 4.50%
    TUCSON, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $4,212 4.25%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $255,000 $255,000 $2,467 4.50%
    PEORIA, IL (FHA|USDA|VA) 1 $255,000 $255,000 $2,353 4.25%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $250,000 $125,000 $2,801 4.38%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $225,000 $225,000 $7,022 4.13%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $215,000 $215,000 $2,925 4.38%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $205,000 $205,000 $5,750 4.38%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $195,000 $195,000 $8,127 4.13%
    Albertville, AL (FHA|USDA|VA) 1 $195,000 $195,000 $2,844 4.63%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $185,000 $185,000 $5,628 4.25%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,313 4.63%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,305 5.25%
    JACKSON, TN (FHA|USDA|VA) 1 $175,000 $175,000 $5,268 4.25%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,941 6.25%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $165,000 $165,000 $4,409 4.75%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $165,000 $165,000 $5,082 4.13%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $135,000 $135,000 $1,938 4.00%
    Murray, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,236 4.13%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,954 4.38%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,146 4.63%
    OWENSBORO, KY (FHA|USDA|VA) 1 $85,000 $85,000 $2,699 4.25%
    F&m Bank's top markets include Nashville, Clarksville, Cookeville, Tullahoma, and Shelbyville among others.

    Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against F&M Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Chattanooga Federal Emp. Credit Union
    Similarity Rank: 12
    First Advantage Bank
    Similarity Rank: 270
    Home Federal Bank of Tennessee
    Similarity Rank: 376
    KELLEY MORTGAGE, LLC
    Similarity Rank: 412
    US COMMUNITY
    Similarity Rank: 555
    TENNESSEE VALLEY
    Similarity Rank: 666
    Y-12 Federal Credit Union
    Similarity Rank: 686
    Southeast Financial Credit Union
    Similarity Rank: 742
    THE TENNESSEE CREDIT UNION
    Similarity Rank: 750
    U. T.
    Similarity Rank: 910

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,541 $394,615,000 $256,077 $3,086 4.76%
    FHA 409 $85,515,000 $209,083 $6,739 4.31%
    VA 406 $100,510,000 $247,562 $6,768 4.16%
    USDA 43 $8,375,000 $194,767 $4,834 4.25%

    For 2018, F&m Bank's most frequently originated type of loan was Conventional, with 1,541 originations. Their 2nd most popular type was FHA, with 409 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,071 $514,455,000 $248,409 $4,613 4.52%
    Refi 158 $36,300,000 $229,747 $2,679 5.12%
    Cash Out Refi 152 $34,770,000 $228,750 $3,669 4.67%
    Home Improvement 17 $3,385,000 $199,118 $2,915 5.72%
    Other 1 $105,000 $105,000 $2,478 4.13%

    For 2018, F&m Bank's most frequently cited loan purpose was Home Purchase, with 2,071 originations. The 2nd most popular reason was Refi, with 158 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,066 $516,900,000 $250,194 $4,586 4.49%
    20 Year 106 $18,570,000 $175,189 $2,314 5.54%
    15 Year 98 $19,650,000 $200,510 $3,138 4.22%
    1 Year 65 $14,385,000 $221,308 $3,039 5.54%
    Other 37 $15,035,000 $406,351 $4,208 5.56%
    10 Year 23 $3,155,000 $137,174 $2,775 4.60%
    3 Year 2 $1,150,000 $575,000 $0 5.38%
    5 Year 2 $170,000 $85,000 $628 6.73%

    For 2018, F&m Bank's most frequently cited loan duration was 30 Year, with 2,066 originations. The 2nd most popular length was 20 Year, with 106 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,701 $418,805,000 $246,211
    $1k-2k 263 $55,275,000 $210,171
    $2k-3k 152 $41,160,000 $270,789
    $3k-4k 53 $15,775,000 $297,642
    $4k-5k 11 $4,305,000 $391,364
    $5k+ 9 $3,095,000 $343,889

    F&m Bank's average total fees were $4,586, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,701 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,698 $422,060,000 $248,563
    3-4% 362 $95,900,000 $264,917
    5-6% 273 $62,155,000 $227,674
    6-7% 51 $7,235,000 $141,863
    7-8% 9 $1,025,000 $113,889
    Over 8% 5 $335,000 $67,000
    2.5-3% 1 $305,000 $305,000

    During 2018, F&m Bank's average interest rate for loans was 4.49%, while their most frequently originated rate bucket for loans was 4-5%, with 1,698 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,186 $324,240,000 $273,390 $4,928 4.47%
    $100k-200k 824 $129,310,000 $156,930 $3,937 4.58%
    $400k-600k 201 $91,735,000 $456,393 $4,572 4.52%
    $100,000 or less 152 $10,790,000 $70,987 $2,401 5.44%
    $600k-1MM 30 $22,280,000 $742,667 $5,337 4.62%
    $1MM+ 6 $10,660,000 $1,776,667 $5,081 5.08%

    2018 saw F&m Bank place emphasis on $200k-400k loans with 1,186 originations, totaling $324,240,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 648 $137,740,000 $212,562 $4,621 4.48%
    $50k or less 466 $76,510,000 $164,185 $4,119 4.57%
    $100k-150k 460 $131,950,000 $286,848 $4,345 4.57%
    $75k-100k 409 $102,115,000 $249,670 $4,998 4.48%
    $150k-250k 227 $74,175,000 $326,762 $4,219 4.68%
    $250k+ 139 $48,905,000 $351,835 $3,634 4.86%

    F&m Bank lent most frequently to those with incomes in the $50k-75k range, with 648 originations. The second most popular income band? $50k or less, with 466 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 414 $104,100,000 $251,449 $3,925 4.56%
    30-36% 406 $99,820,000 $245,862 $4,209 4.51%
    50-60% 150 $35,490,000 $236,600 $6,648 4.35%
    <20% 143 $35,035,000 $245,000 $3,244 4.55%
    43% 99 $22,525,000 $227,525 $4,634 4.51%
    38% 97 $23,535,000 $242,629 $4,262 4.69%
    42% 95 $22,025,000 $231,842 $4,221 4.54%
    44% 94 $22,280,000 $237,021 $5,034 4.45%
    39% 91 $21,675,000 $238,187 $4,115 4.44%
    41% 88 $23,470,000 $266,705 $4,552 4.55%
    40% 83 $18,855,000 $227,169 $4,747 4.51%
    47% 76 $18,560,000 $244,211 $4,756 4.45%
    36% 76 $19,070,000 $250,921 $4,456 4.54%
    37% 73 $17,785,000 $243,630 $4,911 4.54%
    46% 69 $17,245,000 $249,928 $4,452 4.51%
    45% 68 $17,190,000 $252,794 $4,715 4.48%
    49% 60 $14,340,000 $239,000 $4,976 4.48%
    48% 56 $15,500,000 $276,786 $4,724 4.54%
    >60% 41 $10,825,000 $264,024 $4,937 4.93%

    F&m Bank lent most frequently to those with DTI ratios of 20-30%, with 414 originations. The next most common DTI ratio? 30-36%, with 406 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,979 $481,355,000 $243,231 $4,367 4.57%
    Black 171 $39,565,000 $231,374 $5,543 4.48%
    Not provided 131 $35,225,000 $268,893 $4,232 4.51%
    Not applicable 41 $14,415,000 $351,585 $0 5.52%
    Asian 57 $13,615,000 $238,860 $4,518 4.49%
    American Indian 11 $2,615,000 $237,727 $5,481 4.31%
    Native Hawaiian or Islander 3 $975,000 $325,000 $3,708 4.00%
    Korean 2 $410,000 $205,000 $2,299 5.31%
    Other Asian 1 $305,000 $305,000 $3,092 4.13%
    Other Pacific Islander 1 $235,000 $235,000 $12,572 3.88%
    Asian Indian 1 $165,000 $165,000 $1,972 5.13%
    Filipino 1 $135,000 $135,000 $1,922 4.63%

    Approval Rates

    Total approvals of all applications
    96.00%

    F&m Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    82.53%

    F&m Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,399 $589,015,000 $245,525

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $280,000 $140,000
    Multifamily:Site-Built 8 $8,490,000 $1,061,250
    Single Family (1-4 Units):Manufactured 20 $2,310,000 $115,500
    Single Family (1-4 Units):Site-Built 2,369 $577,935,000 $243,957

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 85 $14,065,000 $165,471 $2,537 4.74%
    40-60% 183 $41,505,000 $226,803 $2,788 4.61%
    60-80% 700 $189,350,000 $270,500 $3,007 4.77%
    80-100% 1,338 $322,500,000 $241,031 $5,211 4.44%
    Over 100% 78 $20,650,000 $264,744 $9,732 4.46%
    Under 20% 15 $945,000 $63,000 $1,560 6.38%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    F&M Bank 1891 Madison Street Clarksville, TN 37043 Full Service B&M $85,125
    F&M Bank 215 Uffelman Drive Clarksville, TN 37043 Limited, Mobile/Seasonal Office $0
    F&M Bank 221 Indian Lake Boulevard Hendersonville, TN 37075 Full Service B&M $11,670
    F&M Bank 225 West Main Street Lebanon, TN 37087 Full Service B&M $22,360
    F&M Bank 2286 Highway 41, South Greenbrier, TN 37073 Full Service B&M $44,353
    F&M Bank 251 Dover Road Clarksville, TN 37042 Full Service B&M $31,965
    F&M Bank 2601 Wilma Rudolph Blvd Clarksville, TN 37040 Full Service B&M $39,051
    F&M Bank 2698 Madison Street, Highway 41-A Clarksville, TN 37043 Full Service B&M $50,576
    F&M Bank 3029 Highway 120 Bumpus Mills, TN 37028 Full Service B&M $9,082
    F&M Bank 3519 Tom Austin Highway Springfield, TN 37172 Full Service B&M $85,495
    F&M Bank 4151 North Mt. Juliet Road Mount Juliet, TN 37122 Full Service B&M $15,021
    F&M Bank 50 Franklin Street Clarksville, TN 37040 Full Service B&M $286,606
    F&M Bank 518 Highway 76 White House, TN 37188 Full Service B&M $22,555
    F&M Bank 802 Memorial Blvd Murfreesboro, TN 37129 Full Service B&M $26,675
    F&M Bank 90 College Street Clarksville, TN 37040 Limited, Drive-thru $0
    F&M Bank 900 N. Washington Avenue Cookeville, TN 38501 Full Service B&M $45,357
    F&M Bank One Donelson Parkway Dover, TN 37058 Full Service B&M $77,990

    For 2018, F&m Bank had 17 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $45,997
    Net interest income $36,033
    Total noninterest income $19,207
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,362
    Trading account gains and fees $0
    Additional Noninterest Income $17,845
    Pre-tax net operating income $11,989
    Securities gains (or losses, -) $-20
    Income before extraordinary items $9,284
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,284
    Minority interest net income $0
    Net income $9,284
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,299

    F&m Bank's gross interest income from loans was $45,997,000.
    F&m Bank's net interest income from loans was $36,033,000.
    F&m Bank's fee based income from loans was $1,362,000.
    F&m Bank's net income from loans was $9,284,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $9,964
    Provision for credit losses $964
    Total noninterest expense $42,287
    Salaries and employee benefits $24,662
    Premises and equipment expense $5,620
    Additional noninterest expense $12,005
    Applicable income taxes $2,685
    Net charge-offs $187
    Cash dividends $4,500

    F&m Bank's interest expense for loans was $9,964,000.
    F&m Bank's payroll and benefits expense were $24,662,000.
    F&m Bank's property, plant and equipment expenses $5,620,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $877,710
    Deposits held in domestic offices $877,710
    Deposits by Individuals, partnerships, and corporations $859,930
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $16,538
    Deposits by Commercial banks and other depository institutions in U.S. $1,243
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $84,540
    Demand deposits $33,067
    Nontransaction accounts $793,171
    Money market deposit accounts (MMDAs) $318,361
    Other savings deposits (excluding MMDAs) $39,607
    Total time deposits $435,202
    Total time and savings deposits $844,644
    Noninterest-bearing deposits $129,102
    Interest-bearing deposits $748,608
    Retail deposits $708,080
    IRAs and Keogh plan accounts $26,710
    Brokered deposits $109,692
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,105,154
    Cash & Balances due from depository institutions $18,944
    Interest-bearing balances $11,850
    Total securities $94,499
    Federal funds sold & reverse repurchase $0
    Net loans and leases $886,549
    Loan and leases loss allowance $3,320
    Trading account assets $0
    Bank premises and fixed assets $47,274
    Other real estate owned $577
    Goodwill and other intangibles $28,166
    All other assets $29,145

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,105,154
    Total Liabilities $982,566
    Total deposits $877,710
    Interest-bearing deposits $748,608
    Deposits held in domestic offices $877,710
    % insured (estimated) $87
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $89,321
    Subordinated debt $0
    All other liabilities $15,535

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $886,549
    Loan and leases loss allowance $3,320
    Total loans and leases (domestic) $889,869
    All real estate loans $800,867
    Real estate loans in domestic offices $800,867
    Construction and development loans $217,192
    Residential 1-4 family construction $100,861
    Other construction, all land development and other land $116,331
    Loans secured by nonfarm nonresidential properties $188,468
    Nonfarm nonresidential secured by owner-occupied properties $79,995
    Commercial real estate & other non-farm, non-residential $108,473
    Multifamily residential real estate $32,331
    1-4 family residential loans $327,159
    Farmland loans $35,717
    Loans held in foreign offices $0
    Farm loans $9,018
    Commercial and industrial loans $57,270
    To non-U.S. addressees $0
    Loans to individuals $18,454
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2,346
    Other loans to individuals $16,108
    All other loans & leases $4,261
    Loans to foreign governments and official institutions $0
    Other loans $3,177
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $183
    Non 1-4 family restructured loans & leases $70
    Total loans and leases (foreign) $0

    F&M Bank had $886,549,000 of loans outstanding in 2018. $800,867,000 of loans were in real estate loans. $217,192,000 of loans were in development loans. $32,331,000 of loans were in multifamily mortgage loans. $327,159,000 of loans were in 1-4 family mortgage loans. $9,018,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,346,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 387 $90,484 $233,809
    Nonfarm, nonresidential loans - <$100k 58 $2,396 $41,310
    Nonfarm, nonresidential loans - $100-250k 131 $14,360 $109,618
    Nonfarm, nonresidential loans - $250k-1MM 198 $73,728 $372,364
    Commercial & Industrial, US addressed loans - <$1MM 1,027 $49,337 $48,040
    Commercial & Industrial, US addressed loans - <$100k 797 $13,589 $17,050
    Commercial & Industrial, US addressed loans - $100-250k 158 $15,395 $97,437
    Commercial & Industrial, US addressed loans - $250k-1MM 72 $20,353 $282,681
    Farmland loans - <$1MM 106 $12,885 $121,557
    Farmland loans - <$100k 37 $1,108 $29,946
    Farmland loans - $100-250k 43 $5,345 $124,302
    Farmland loans - $250k-1MM 26 $6,432 $247,385
    Agriculture operations loans - <$1MM 174 $4,664 $26,805
    Agriculture operations loans - <$100k 155 $2,271 $14,652
    Agriculture operations loans - $100-250k 13 $1,252 $96,308
    Agriculture operations loans - $250k-1MM 6 $1,141 $190,167