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Advertiser Disclosure
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 F&M Bank and Trust Company Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 11, 2026
F&M Bank and Trust Company's top rates as of October 11, 2026 are 4.06% APY on its 24-Month Business In-House Specials - Certificates of Deposit CD, 0.05% APY on savings, and 0.10% APY on money market accounts, according to rates verified by MonitorBankRates. Other F&M Bank and Trust Company CD rates include 24-Month In-House Specials - Certificates of Deposit at 4.06%, 18-Month Business In-House Specials - Certificates of Deposit at 3.85%, and 18-Month In-House Specials - Certificates of Deposit at 3.85%. MonitorBankRates evaluates the financial stability of F&M Bank and Trust Company with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.85%. Rates last updated and verified on 10/11/2026. F&M Bank and Trust Company 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 Bank and Trust Company? Share your experience about F&M Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use F&M Bank and Trust Company. 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 Bank and Trust Company CD Rates
F&M Bank and Trust Company Business CD Rates
F&M Bank and Trust Company Savings Rates
F&M Bank and Trust Company Business Savings Rates
F&M Bank and Trust Company Money Market Rates
F&M Bank and Trust Company Business Money Market Rates
F&M Bank and Trust Company Other Rates
Financial Health HistoryF&M Bank and Trust Company’s Texas Ratio rose from 2.29% in Q3 2023 to 6.85% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 4.0 to 5.0 and its Health Grade from B+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for F&M Bank and Trust Company 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 Bank and Trust Company 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 Bank and Trust Company's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
F&M Bank and Trust Company
Bank Holding Company
FARMERS&MERCHANTS BCORP INC
Address
505 Broadway,
Hannibal, MO 63401 · Marion
Website
https://www.bankfm.com
FDIC Certificate #
30595
Established
18860101
FDIC Insurance Date
19890809
Domestic Offices
3
Total Branches
3
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 97/100
5.0
Exceptional
Out of 5.0 Stars
6.85%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.8984%
Return on Equity (ROE)
9.8300%
Non-Performing Loans (NPL)
0.58%
Total Assets
$182,362,000
Total Deposits
$164,325,000
Equity Capital
$17,129,000
Net Income
$827,000
Headquarters
Hannibal
Total Branches and Offices
3
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for F&M Bank and Trust Company
Frequently Asked Questions About F&M Bank and Trust CompanyHow many branches does F&M Bank and Trust Company operate?F&M Bank and Trust Company 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 Bank and Trust Company 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 Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history. Does F&M Bank and Trust Company offer online and mobile banking?Most modern institutions like F&M Bank and Trust Company 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.bankfm.com. Current F&M Bank and Trust Company Rates
Retrieved from our database of financial products. Rates subject to change.
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