OK lenders / Community Bank
F&M Bank
Community Bank · Edmond, OK · F&M Bancshares Inc
- Total assets
- $925.2M
- CRE loan book
- $224.9M
- QoQ CRE growth
- 4.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.36% as of Q1 2026 — TX bank median 4.87% (2.49pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.36% | 6.79% |
| Q4 2025 | 7.17% | 6.67% |
| Q3 2025 | 7.18% | 6.78% |
| Q2 2025 | 7.13% | 6.88% |
| Q1 2025 | 7.00% | 6.79% |
| Q4 2024 | 7.03% | 6.88% |
| Q3 2024 | 6.96% | 6.82% |
| Q2 2024 | 7.27% | 6.63% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $224.9M | $84.3M | $15.8M | 146% | $1.6M |
| Q4 2025 | $214.5M | $74.7M | $15.9M | 136% | $1.6M |
| Q3 2025 | $214.2M | $71.7M | $16.5M | 139% | $1.6M |
| Q2 2025 | $204.3M | $62.6M | $16.5M | 139% | $1.6M |
| Q1 2025 | $201.9M | $67.0M | $10.5M | 139% | $1.9M |
| Q4 2024 | $215.8M | $65.5M | $11.7M | 159% | $2.3M |
| Q3 2024 | $214.4M | $57.6M | $19.8M | 168% | $2.3M |
| Q2 2024 | $193.6M | $51.1M | $12.2M | 147% | $3.1M |
Signals
Recent news
- F&M Bank’s 9th Annual Charity Golf Classic Raises $47,000 for Local Charities - The Manila Times — Coverage of F&M Bank related to commercial real estate and lending reported by manilatimes.net.Aug 20, 2026
- F&M Bank Corp. Reports Second Quarter 2026 Earnings and Quarterly Dividend - ACCESS Newswire — Coverage of F&M Bank related to earnings reported by accessnewswire.com.Jul 29, 2026
- F&M Bank's Bearing sale, bond restructuring result in $1.3M net pre-tax gain - Stock Titan — Coverage of F&M Bank related to commercial real estate and lending reported by stocktitan.net.Jul 29, 2026
- F&M Bank Announces Executive Leadership Appointments to Support Continued Growth and Strategic Execution - GlobeNewswire — Coverage of F&M Bank related to personnel moves reported by globenewswire.com.Jun 25, 2026
- F&M Bank Launches 2nd Annual “Great Briefcase Hunt” with $10,000 Prize - GlobeNewswire — Coverage of F&M Bank related to commercial real estate and lending reported by globenewswire.com.Jun 12, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Baraboo State BankCommunity Bank · Baraboo · $225.1M CRE book
- First National Bank of LouisianaCommunity Bank · Crowley · $223.9M CRE book
- Texas Champion BankCommunity Bank · Corpus Christi · $223.3M CRE book
- The New Washington State BankCommunity Bank · New Washington · $227.0M CRE book
- Herring BankCommunity Bank · Amarillo · $222.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.