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 F&M Bank Upperco, MD 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 4, 2026
F&M Bank Upperco, MD's 14-Month CD Special rates are at 3.75%, 5-Month CD Special rates are at 3.40%, 12-Month Certificate of Deposit (Consumer & Commercial), IRA Accounts rates are at 1.00%, 60-Month Certificate of Deposit (Consumer & Commercial), IRA Accounts rates are at 0.60%, 18-Month Certificate of Deposit (Consumer & Commercial), IRA Accounts rates are at 0.50%. F&M Bank Upperco, MD's savings rates are at 0.05%. F&M Bank Upperco, MD's money market rates are at 0.03%. MonitorBankRates evaluates the financial stability of F&M Bank Upperco, MD with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.09%. Rates were last updated on 05/04/2026. F&M Bank Upperco, MD 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 Upperco, MD? Share your experience about F&M Bank Upperco, MD by leaving a review below, or read customer reviews before you decide to use F&M Bank Upperco, MD. 
F&M Bank Upperco, MD CD Rates
F&M Bank Upperco, MD Savings Rates
F&M Bank Upperco, MD Money Market Rates
F&M Bank Upperco, MD Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for F&M Bank Upperco, MD 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 Upperco, MD 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 Upperco, MD's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
F&M Bank Upperco, MD
Bank Holding Company
FARMERS&MERCHANTS BANCSHARES
Address
15226 Hanover Pike,
Upperco, MD 21155 · Baltimore
Website
https://www.fmb1919.bank
FDIC Certificate #
1895
Established
01/01/1919
FDIC Insurance Date
01/01/1934
Domestic Offices
9
Total Branches
9
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
3.09%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9659%
Return on Equity (ROE)
11.3000%
Non-Performing Loans (NPL)
0.08%
Total Assets
$872,370,000
Total Deposits
$722,077,000
Equity Capital
$75,797,000
Net Income
$6,333,000
Headquarters
Upperco
Total Offices
9
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About F&M Bank Upperco, MDHow many branches does F&M Bank Upperco, MD operate?F&M Bank Upperco, MD currently maintains approximately 9 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 Upperco, MD 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 Upperco, MD provides members with tools to manage their accounts and build a solid financial history. Does F&M Bank Upperco, MD offer online and mobile banking?Most modern institutions like F&M Bank Upperco, MD 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.fmb1919.bank. Current F&M Bank Upperco, MD Rates
Retrieved from our database of financial products. Rates subject to change.
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