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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

F & M Bank

Edmond, Oklahoma · $915M in assets · beside the 11 other Oklahoma banks between $300M and $1B

The filing

23.7%
CRE / loans
1st of 12
168.7%
CRE / capital
1st of 12
82.0%
Loans / deposits
3rd of 12

F & M Bank is the sixth largest of the 12 Oklahoma banks nearest its size between $300M and $1B, with $915M in assets at 30 June 2026. Loans are 82.0% of deposits, 3rd of 12 against a median of 89.9%, and equity is 10.5% of assets, 4th of 12. Loans grew +16.1% in the year, 3rd of 12, and deposits grew 22.4%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.36% of the book, 5th of 12 against a median of 0.57%; 0.18% is 30 to 89 days past due, and the allowance covers them 3.1 times. Net charge-offs are 1.82% of loans, the highest in the cohort. Commercial real estate is 23.7% of loans, the lowest in the cohort against a median of 38.3%, and 169% of capital, below the 300% screen, with construction at 91% against the 100% screen.

Return on assets is 1.18%, 8th of 12 against a median of 1.34%, on an efficiency ratio of 56.1%, 5th of 12. Five years ago it was 1.76%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansOK banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 38.3% FM F & M Bank 23.7% VB Vision Bank 29.5% FN First National Bank of Oklahoma 33.7% AN American Nation Bank 34.7% PB Prism Bank 35.6% SB Security Bank 37.1% VB Valliance Bank 39.6% GB Grand Bank 41.1% FL First Liberty Bank 43.2% S Spiritbank 44.0% QC Quail Creek Bank 45.8% FB First Bank & Trust Co. 47.8%
Loans, year over yearOK banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% PB Prism Bank +36.9% VB Valliance Bank +24.2% FM F & M Bank +16.1% GB Grand Bank +10.3% AN American Nation Bank +6.4% FN First National Bank of Oklahoma +6.4% FL First Liberty Bank +4.3% QC Quail Creek Bank +2.3% S Spiritbank +1.8% VB Vision Bank +1.5% SB Security Bank +0.3% FB First Bank & Trust Co. -6.5%

SBA 7(a), FY2008 to FY2026

F & M Bank is the 67th largest 7(a) lender into Oklahoma of 358, with $10M across 27 loans, 0.2% of everything approved in the state (Bancfirst leads with $793M). 4 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oklahoma, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Logan, OK$8M1st of 3026.3%+65.8 pts
Oklahoma, OK$673K123rd of 1720.1%-0.2 pts
Pottawatomie, OK$554K14th of 250.9%quiet FY2008
Canadian, OK$235K44th of 650.2%quiet FY2016
Kingfisher, OK$215K11th of 171.1%quiet FY2022
Cleveland, OK$80K82nd of 880.0%quiet FY2008
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Mining & extraction4$6M56.6%0.39%60th of 426
Construction4$979K9.6%0.00%1210th of 2,063
Professional & technical services2$873K8.6%0.00%1050th of 1,955
Administrative & waste services2$810K8.0%0.01%872nd of 1,763
Retail trade2$344K3.4%0.00%2087th of 2,589
7(a) lenders into Oklahoma, share of approvals since FY2008358 lenders on record; the ten largest and F & M Bank
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans FB Fandm Bank 0.2% $10M · 27 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, F & M Bank among them; owner-occupied excluded; bold marks a screen met
F & M BankRankCohort median
Total CRE against capital, the 300% screen169%1st of 12264%
Construction against capital, the 100% screen91%11th of 1274%
Construction and land development, share of loans12.7%10th of 1211.0%
Non-owner-occupied nonfarm nonresidential, share of loans8.6%1st of 1226.9%
Total CRE, the guidance definition, share of loans23.7%1st of 1238.3%
CRE growth over 36 months, the third prong+7.5%5th of 12+13.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Vision Bank$1000M1.2%69.2%2.59%0.02%1.8%84.4%7.3%
First Bank & Trust Co.$952M2.2%55.5%5.22%0.71%1.3%88.5%15.3%
First National Bank of Oklahoma$950M2.3%45.4%1.39%0.07%1.3%93.1%10.1%
Security Bank$939M2.2%43.0%0.15%0.02%2.0%93.6%11.6%
Valliance Bank$923M0.6%69.2%1.58%-0.09%1.1%106.5%8.6%
F & M Bank$915M1.2%56.1%0.36%1.82%1.1%82.0%10.5%
Spiritbank$913M0.9%64.2%0.86%0.29%1.3%74.7%9.2%
First Liberty Bank$885M1.1%65.3%0.07%0.18%1.5%94.3%11.1%
Quail Creek Bank$831M1.7%56.8%0.65%0.08%1.2%81.9%8.7%
Prism Bank$721M0.9%60.0%0.49%-0.02%1.1%96.4%9.4%
Grand Bank$713M1.5%53.1%0.00%0.00%1.6%91.2%9.3%
American Nation Bank$691M1.5%62.8%0.06%0.00%1.5%84.0%9.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
F & M BankCohort median
20212026Change20212026Change
Loans$338M$655M+94%$466M$680M+46%
Deposits$523M$799M+53%$558M$784M+40%
NPA / loans0.19%0.36%+0.17 pts0.63%0.57%-0.06 pts
Efficiency61.2%56.1%-5.1 pts61.0%58.4%-2.6 pts
ROA1.76%1.18%-0.57 pts1.51%1.34%-0.16 pts

This read was prepared for F & M Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on F & M Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OK banks $300M to $1B
Institution www.fmbankok.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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