Bank · FDIC insured
F&M Bank
A $915.3M bank headquartered in Edmond, OK, with 11 branches in Oklahoma.
F&M Bank Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#44 of 47 in Oklahoma City, OK metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About F&M Bank
Founded in 1902 as Farmers & Merchants Bank, F&M Bank was purchased in 1972 by Mr. J.V. Anderson and remains a family-owned institution led by second and third generations.
F&M Bank operates eleven branch locations across Central Oklahoma, including branches in Edmond, Yukon, Guthrie, Kingfisher, Piedmont, Crescent, Okarche, and Fairview, alongside two mortgage offices and a loan production office.
- Headquarters
- 17100 N May Ave, Edmond, OK 73012
- FDIC certificate
- 12761 ↗
Branches
11 branches in Oklahoma
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Oklahoma
11 branches
Oklahoma City area · 8
- F&M BankMain office17100 N May Ave, Edmond, OK 73012Directions
- Crescent Branch116 S Grand St, Crescent, OK 73028Directions
- Waterloo Branch121 E Waterloo Rd, Edmond, OK 73034Directions
- Guthrie Branch1800 E Oklahoma Ave, Guthrie, OK 73044Directions
- South Division Branch2211 S Division St, Guthrie, OK 73044Directions
- Piedmont Branch1216 Piedmont Rd N, Piedmont, OK 73078Directions
- Surrey Branch11000 Surrey Hills Blvd, Yukon, OK 73099Directions
- Yukon Branch1401 Health Center Pkwy, Yukon, OK 73099Directions
Fairview area · 1
- Fairview Branch101 N Main St, Fairview, OK 73737Directions
Kingfisher area · 1
- Kingfisher Branch601 S Main St, Kingfisher, OK 73750Directions
Okarche area · 1
- Community National Bank Of Okarche Branch653 Highway 81, Okarche, OK 73762Directions
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 | 10.00% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.36% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.24% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $82 | $81 | — |
- CapitalLeverage ratio10.00%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.36%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.24%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$82Peers’ 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 are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.