Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
41st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Nov 2, 2026
Call-report figures are for F&M Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | F&M Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.8% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (41st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $183K in Q2 2026, 12% above the same quarter a year earlier ($164K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for F&M Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $183K | +$8K | +4.6% |
| Q1 2026 | $175K | +$18K | +11.5% |
| Q4 2025 | $157K | −$5K | −3.1% |
| Q3 2025 | $162K | −$2K | −1.2% |
| Q2 2025 | $164K | +$13K | +8.6% |
| Q1 2025 | $151K | −$16K | −9.6% |
| Q4 2024 | $167K | −$2K | −1.2% |
| Q3 2024 | $169K | −$1K | −0.6% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, F&M Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to F&M Bank by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Monthly Service Fee (audience not stated, treated as personal) | No charge | per month | None |
Account ServicesUnder review | |||
| Late Fee (audience not stated, treated as personal) | $15Not compared: Box drilling or key fee | Not stated | None |
Other feesUnder review | |||
| Late Fee (audience not stated, treated as personal) | $15 | Not stated | None |
| Monthly Service Fee (audience not stated, treated as personal) | No charge | per month | None |
| Our cashier's checks are available (audience not stated, treated as personal) | $5 | Not stated | None |
| Returned Item Fee (audience not stated, treated as personal) | $30 | per item | Per item |
| Safe Deposit Box - Late Payment Fee (audience not stated, treated as personal) | $15 | per item | None |
| Safe Deposit Box - Replace Key If One Is Lost (audience not stated, treated as personal) | $30 | per item | None |
| Stop Payment Fee (audience not stated, treated as personal) | $30 | per item | Per item |
| Telephone Transfer Fee (audience not stated, treated as personal) | $5 | per item | None |
| Wire Transfer - Incoming (audience not stated, treated as personal) | No charge | per item | None |
| Wire Transfer - Outgoing Domestic (audience not stated, treated as personal) | $25 | per item | None |
| Wire Transfer - Outgoing Foreign (audience not stated, treated as personal) | $40 | per item | None |
| Wire Transfer - Outgoing Online (audience not stated, treated as personal) | $10 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where F&M Bank operates, and what regulators and customers have on file.
Branch footprint
11 offices in 1 state, $799.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 8 | $549.1M | |
| Outside a metro area | 3 | $249.9M |
Oklahoma City, OK
0.9% of bank deposits, #20 of 71, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| MidFirst Bank | 23.5% |
| BOKF, National Association | 12.3% |
| JPMorgan Chase Bank, National Association | 9.4% |
| BancFirst | 8.3% |
| Bank of America, National Association | 8.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Oklahoma City, OK, F&M Bank holds 0.9% of bank deposits, #20 of 71, with 8 offices.
504 offices of 95 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 71 institutions shown. $60.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.9% share, 8 offices, #20 of 71
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
124 offices of 24 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows