What are the current interest rates at F&M Bank and Trust Company?

Current rates for F&M Bank and Trust Company include: Savings: 0.05%

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F&M Bank and Trust Company Rates & Review April 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

F&M Bank and Trust Company's savings rates are at 0.05%. 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 2.29%. Rates were last updated on 04/23/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.29%

Excellent Lower than avg

F&M Bank and Trust Company

505 Broadway
Hannibal, MO 63401

https://www.bankfm.com

F&M Bank and Trust Company Savings Rates

Product	Rate	APY
Christmas Club	0.05%	0.05%
Min Balance $5 Last Updated 04/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%
Statement Savings	0.05%	0.05%
Min Balance $100 Last Updated 04/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.29%

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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Methodology & Data Sources

MonitorBankRates 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 01/01/1886

FDIC Insurance Date 08/09/1989

Domestic Offices 3

Total Branches 3

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.29%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6106%

Return on Equity (ROE) 9.6600%

Non-Performing Loans (NPL) 0.00%

Total Assets $182,112,000

Total Deposits $164,622,000

Equity Capital $16,588,000

Net Income $1,348,000

Headquarters Hannibal

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About F&M Bank and Trust Company

Is F&M Bank and Trust Company a safe place to deposit money?

Yes, F&M Bank and Trust Company is considered a safe financial institution. With a Texas Ratio of 2.2893511921725%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How 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.