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F & M Community Bank, N.A.

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F & M Community Bank, N.A. Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, F & M Community Bank, N.A. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

F & M Community Bank, N.A.'s top rate as of October 12, 2026 is 1.00% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of F & M Community Bank, N.A. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/12/2026.

F & M Community Bank, N.A. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at F & M Community Bank, N.A.? Share your experience about F & M Community Bank, N.A. by leaving a review below, or read customer reviews before you decide to use F & M Community Bank, N.A..

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Improving 12 quarters

Full history ›

F & M Community Bank, National Association

100 Saint Anthony St N
Preston, MN 55965

https://www.fmcommunity.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

F & M Community Bank, N.A. Checking Rates

Product	Rate	APY
Rewards Checking	-	1.00%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 1.00% APY on daily balances up to $20,000; 1.00% APY to 0.15% APY on balances over $20,000 (depending on the balance of the account); 1.00% APY on daily balances up to $20,000; 0.03% APY when qualifications are not met; Reimbursement of your domestic ATM fees (up to $20 per month); No minimum balance requirements Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Rewards Checking	0.15%	0.15%
Min Balance $20,000 Details Qualifications Required: 12 debit card purchases post and settle; enrolled and receive eStatements; 1 ACH debit or credit post and settle; When the Rewards Checking qualifications are not met, the interest rate on your account will be 0.03% and the APY will be 0.03%. An interest rate of 0.15% will be paid only for that portion of your daily balance that is greater than $20,000.00. The APY for this tier will range from 1.00% to 0.15%, depending on the balance in the account. Balance: $20,000.01 and over Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

F & M Community Bank, N.A.’s Texas Ratio fell from 5.49% in Q3 2023 to 0.00% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.9 to 5.0 and its Health Grade from B to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$211M	0.00%	5.0	A+
March 31, 2026	$210M	0.00%	5.0	A+
December 31, 2025	$214M	0.48%	5.0	A+
September 30, 2025	$205M	0.00%	5.0	A+
June 30, 2025	$209M	1.78%	5.0	A+
March 31, 2025	$206M	0.00%	5.0	A+
December 31, 2024	$211M	0.00%	4.8	A+
September 30, 2024	$210M	0.62%	5.0	A+
June 30, 2024	$205M	0.00%	4.7	A
March 31, 2024	$205M	0.00%	4.5	A
December 31, 2023	$207M	0.46%	4.6	A
September 30, 2023	$207M	5.49%	3.9	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for F & M Community Bank, N.A. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather F & M Community Bank, N.A. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with F & M Community Bank, N.A.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name F & M Community Bank, N.A.

Bank Holding Company F&M FINANCIAL SERVICES INC

Address 100 Saint Anthony St N, Preston, MN 55965 · Fillmore

Website https://www.fmcommunity.com

FDIC Certificate # 10967

Established 19110311

FDIC Insurance Date 19340101

Domestic Offices 3

Total Branches 3

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0609%

Return on Equity (ROE) 13.1000%

Non-Performing Loans (NPL) 0.00%

Total Assets $211,091,000

Total Deposits $184,449,000

Equity Capital $17,310,000

Net Income $1,122,000

Headquarters Preston

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

F & M Community Bank, N.A. earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/f-and-m-community-bank-national-association-rates-review-10967">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About F & M Community Bank, N.A.

How many branches does F & M Community Bank, N.A. operate?

F & M Community Bank, N.A. currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, F & M Community Bank, N.A. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, F & M Community Bank, N.A. provides members with tools to manage their accounts and build a solid financial history.

Does F & M Community Bank, N.A. offer online and mobile banking?

Most modern institutions like F & M Community Bank, N.A. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fmcommunity.com.