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F&M Bank of North Dakota

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F&M Bank of North Dakota Rates & Review May 2026

Q: How many branches does F&M Bank of North Dakota operate?

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

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, F&M Bank of North Dakota 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: May 7, 2026

You can compare F&M Bank of North Dakota rates to other rates in our database, including 12-month CD rates currently at 0.55%, 6-month CD rates at 3.95% and 3-month CD rates at 1.00%. Savings rates are at 0.05% and money market rates are at 3.00%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to F&M Bank of North Dakota rates. MonitorBankRates evaluates the financial stability of F&M Bank of North Dakota with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.08%. Rates were last updated on 05/07/2026.

F&M Bank of North Dakota 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 of North Dakota? Share your experience about F&M Bank of North Dakota by leaving a review below, or read customer reviews before you decide to use F&M Bank of North Dakota.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.08%

Excellent Lower than avg

F&M Bank of North Dakota

101 Main St N
Tolna, ND 58380

https://www.fmbnd.com

Current Rate Availability

We do not have F&M Bank of North Dakota rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for F&M Bank of North Dakota 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 of North Dakota 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 of North Dakota's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name F&M Bank of North Dakota

Bank Holding Company TOLNA BCORP INC

Address 101 Main St N, Tolna, ND 58380 · Nelson

Website https://www.fmbnd.com

FDIC Certificate # 8640

Established 08/01/1917

FDIC Insurance Date 01/01/1934

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.08%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7607%

Return on Equity (ROE) 11.0300%

Non-Performing Loans (NPL) 0.27%

Total Assets $118,925,000

Total Deposits $105,904,000

Equity Capital $12,697,000

Net Income $1,036,000

Headquarters Tolna

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About F&M Bank of North Dakota

Is F&M Bank of North Dakota a safe place to deposit money?

Yes, F&M Bank of North Dakota is considered a safe financial institution. With a Texas Ratio of 4.0811121030481%, 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 of North Dakota operate?

F&M Bank of North Dakota 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 of North Dakota 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 of North Dakota provides members with tools to manage their accounts and build a solid financial history.

Does F&M Bank of North Dakota offer online and mobile banking?

Most modern institutions like F&M Bank of North Dakota 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.fmbnd.com.