Bank · FDIC insured
F&M Bank and Trust Company
A $182.4M bank headquartered in Hannibal, MO, with 3 branches in Missouri. Best rates: CDs 4.06% and savings 0.05% APY.
F&M Bank and Trust Company Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#7 of 9 in Hannibal, MO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About F&M Bank and Trust Company
Founded in 1870 by the friends and family of Mark Twain, F&M Bank and Trust Company is the area's oldest locally-owned community bank.
The bank operates neighborhood locations in Hannibal, Monroe City, and O'Fallon.
- Headquarters
- 505 Broadway, Hannibal, MO 63401
- FDIC certificate
- 30595 ↗
Branches
3 branches in Missouri
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Missouri
3 branches
- F&M Bank and Trust CompanyMain office505 Broadway, Hannibal, MO 63401Directions
- F&M Bank And Trust Company Branch4801 Mcmasters Ave, Hannibal, MO 63401Directions
- F&M Bank And Trust Company Branch902 Highway 24 And 36 E, Monroe City, MO 63456Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.20% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.85% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.90% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $76 | $81 | — |
- CapitalLeverage ratio10.20%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.85%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.90%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$76Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of F&M Bank and Trust Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.