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Advertiser Disclosure
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 F&M Bank and Trust Company Rates & Review May 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.
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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: May 5, 2026
F&M Bank and Trust Company's 91 day Certificates of Deposit rates are at 3.80%, 91 day In-House Specials - Certificates of Deposit rates are at 3.80%, 9-Month Certificates of Deposit rates are at 3.75%, 9-Month In-House Specials - Certificates of Deposit rates are at 3.75%, 14-Month Certificates of Deposit rates are at 3.60%. F&M Bank and Trust Company's savings rates are at 0.05%. F&M Bank and Trust Company's money market rates are at 0.02%. 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 05/05/2026. 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. 
F&M Bank and Trust Company CD Rates
F&M Bank and Trust Company Savings Rates
F&M Bank and Trust Company Money Market Rates
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
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 & AssetsA+
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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Add Your Rating and Review for F&M Bank and Trust Company
Frequently Asked Questions About F&M Bank and Trust CompanyIs 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. Current F&M Bank and Trust Company Rates
Retrieved from our database of financial products. Rates subject to change.
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