F&M Bank
F&M Bank is a family-owned Oklahoma community bank founded in 1904, operating six branches across the Greater Oklahoma City area to serve individuals, small and medium businesses, agricultural operations, and tribal nations with consumer, mortgage, business, treasury management, and specialized lending products.
- Company typePrivate
- Founded1904
- HeadquartersEdmond, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What F&M Bank does
F&M Bank is a privately-held, family-owned community bank chartered and operating in the State of Oklahoma, founded in 1904 and now in its third generation of family ownership. Headquartered in Edmond, the bank operates six branch locations across the Greater Oklahoma City metropolitan area — Edmond, Yukon, Guthrie, Kingfisher, Piedmont, and Crescent — serving individuals, small and medium businesses, agricultural operations, and tribal nations through a full-service branch-and-digital platform. The 'F&M' brand originates from 'Farmers,' reflecting the bank's original orientation toward agricultural lending in rural Oklahoma, where the state ranks fourth nationally in number of farms.
The bank's product set spans consumer banking (BonuSelect Checking and CashBack Checking flagship accounts, traditional checking tiers, savings, money market, CDs, IRAs), consumer lending (auto, boat, RV, powersports, and personal loans), mortgage lending (conventional, FHA, VA, USDA, jumbo, construction, refinance, and Native American Section 184 loans), and business banking (commercial checking/savings, ACH, Remote Deposit Capture, Merchant Card Services, Cash Management, Positive Pay, Sweeps, CDARS/ICS, and business online payroll). A specialized Tribal Banking division supports Oklahoma-based tribal nations with dedicated deposit, treasury management, and lending products tied to government-backed programs. Agricultural lending covers farm equipment, livestock, agricultural real estate, operating lines, commercial real estate, SBA, and USDA Business and Industry loans.
F&M Bank generates revenue primarily through net interest income on its lending portfolio, funded by customer deposits across checking, savings, money market, and CD accounts, supplemented by transactional fees (cashier's checks, wire transfers, ATM fees, safe deposit box rentals, and coin counting). Customer acquisition is driven by physical branch presence, branch-level relationship banking, content marketing via the bank's blog on financial education topics, organic social media presence (Facebook, LinkedIn, Instagram, X), email newsletters, and active participation in local business networking organizations and chambers of commerce. Digital channels (online banking, iOS/Android mobile app, mobile deposit, Apple Pay/Google Pay wallet integration, and in-app credit score monitoring) supplement but do not replace the relationship-driven branch model.
F&M Bank firmographics
Firmographics- Name
- F&M Bank
- Legal name
- F&M Bank
- Website
- https://fmbankok.com
- Company type
- Private
- Founded year
- 1904
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- F&M Bank is a family-owned Oklahoma community bank founded in 1904, operating six branches across the Greater Oklahoma City area to serve individuals, small and medium businesses, agricultural operations, and tribal nations with consumer, mortgage, business, treasury management, and specialized lending products.
- Ownership category
- akta.pro rank
F&M Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- SME/Industrial Development Banks (FSABAKAF), Real Estate (Commercial Property, REITs) (FSABACAH), Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)
Keywords
Where F&M Bank is headquartered
LocationHeadquarters
- HQ city
- Edmond
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
F&M Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Primary revenue from interest earned on loans including mortgages, personal loans, business loans, and agricultural loans. Interest is paid on deposits and earned on lending activities.
- Service Fees: Various fee-based services including cashier's checks ($5), wire transfers, ATM fees, and other account service charges
- Deposit Taking: Accepting customer deposits in checking, savings, money market, and CD accounts. Deposits fund lending activities.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Monthly | BonuSelect Checking - High Interest |
| Hybrid | Monthly | BonuSelect Cash Back Checking |
| Unit Pricing | Pay-as-you-go | Cashier's Checks |
| Subscription | Monthly | Safe Deposit Boxes |
| Unit Pricing | Pay-as-you-go | Coin Counting |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
F&M Bank product offering
Product offeringCore offering
F&M Bank is a family-owned community bank providing deposit accounts (checking, savings, money market, CDs, IRAs), consumer lending (auto, boat, RV, powersports, personal), mortgage loans (conventional, FHA, VA, USDA, jumbo, construction, Section 184), commercial and agricultural lending, treasury management, merchant card services, and tribal banking to consumers, small-to-medium businesses, farmers, and tribal communities across Greater Oklahoma City. The bank is FDIC-insured and operates six physical branches plus online, mobile, and telephone banking channels.
Product overview
F&M Bank is a family-owned community bank serving Oklahoma for three generations, offering a comprehensive suite of banking products through a platform-plus-service model. The core offerings include personal banking (checking accounts with BonuSelect Checking and BonuSelect CashBack Checking as flagship products, savings accounts, CDs, IRAs), personal lending (auto loans, boat loans, RV loans, powersports loans, personal loans), and mortgage products (conventional, FHA, VA, USDA, jumbo, construction, and specialized first-time homebuyer programs). Business banking features commercial checking, business savings, and Treasury Management Services including ACH, Remote Deposit Capture, Merchant Card Services, Cash Management, and Positive Pay. Agricultural and commercial lending covers farm equipment, livestock, real estate, equipment, SBA loans, and USDA B&I loans. Digital banking services include online banking, mobile banking with wallet integration (Apple Pay, Google Pay), mobile deposit, and 24-hour telephone banking. The bank also offers specialized Tribal Banking services for Native American communities and ancillary services like safe deposit boxes, wire transfers, notary services, and credit score monitoring. All services are available across branch locations in Edmond, Yukon, Guthrie, Kingfisher, Piedmont, and Crescent, Oklahoma.
Differentiator
Problem solved
Functional benefit
Brands
- BonuSelect Checking: High-interest checking account with up to 4.00% APY on balances under $20,001 and ATM fee refunds nationwide.
- BonuSelect CashBack Checking
- BonuSelect Saver
Products and services
- BonuSelect Checking
Quantifiable outcome
- Oklahoma ranks 4th in the nation for number of farms, indicating significant agricultural market opportunity
Companies that use F&M Bank
Customer profileSegments4 records
Ideal customer profiles4 records
F&M Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature4 records
F&M Bank partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
F&M Bank competitors and assessment
Company assessmentRegional players
- Simmons Bank: Arkansas-headquartered community/regional bank offering personal, business, mortgage, and agricultural lending across multiple southern states. Comparable as a community-oriented regional bank with similar product breadth and relationship-based model.
- Prosperity Bank: Texas-based community bank with similar deposit, mortgage, agricultural, and small-business focus. Comparable as a privately-held community bank with analogous product mix and community-banking approach, though geographically distinct.
- INTRUST Bank: Privately-held Kansas-based community bank offering personal, business, wealth, and ag lending. Comparable as a privately-held, relationship-driven regional bank with similar product mix serving a similar geographic profile (Plains states).
Broad incumbents
- BOK Financial: Largest Oklahoma-based financial institution (parent of Bank of Oklahoma) offering full commercial, wealth, and treasury services. Comparable industry overlap but materially larger scale, broader product set, and institutional focus.
Direct peers
- First United Bank: Oklahoma-based community bank with branches in central and western Oklahoma offering personal, business, and agricultural banking. Comparable as a smaller Oklahoma-focused community bank with overlapping market and product positioning.
- Farmers National Bank: Oklahoma community bank with agricultural banking focus and similar product offerings (farm loans, personal/business banking). Comparable as a smaller Oklahoma-based bank emphasizing agricultural and community banking.
- Arvest Bank: Regional community bank operating across Oklahoma, Arkansas, Missouri, and Kansas with similar personal/business banking, mortgage, and agricultural lending products. Comparable as a community-focused bank with overlapping product suite.
- BancFirst: Oklahoma's largest state-chartered bank, headquartered in Oklahoma City. Directly comparable as a community/regional bank serving Oklahoma with personal, business, agricultural, and mortgage lending across a similar geographic footprint.
- MidFirst Bank: Oklahoma-based community bank offering personal, business, and mortgage banking. Comparable as a fellow Oklahoma-headquartered community bank with similar product breadth and relationship-based banking model.
- SpiritBank: Oklahoma-based community bank with multiple branches in the Tulsa region offering personal, business, and mortgage products. Comparable as a private Oklahoma community bank serving a similar local-market customer base.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
F&M Bank social profiles
Digital presenceF&M Bank compliance and trust
Trust signalCompliance1 record
F&M Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
F&M Bank leadership team
Management profileNumber of profiles
F&M Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
F&M Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about F&M Bank
What does F&M Bank do?
F&M Bank is a family-owned community bank providing deposit accounts (checking, savings, money market, CDs, IRAs), consumer lending (auto, boat, RV, powersports, personal), mortgage loans (conventional, FHA, VA, USDA, jumbo, construction, Section 184), commercial and agricultural lending, treasury management, merchant card services, and tribal banking to consumers, small-to-medium businesses, farmers, and tribal communities across Greater Oklahoma City. The bank is FDIC-insured and operates six physical branches plus online, mobile, and telephone banking channels.
Is F&M Bank a public or private company?
F&M Bank is a private company. It is classified as family owned and is currently operating.
When was F&M Bank founded?
F&M Bank was founded in 1904. It employs 51 to 100 people.
Where is F&M Bank based?
F&M Bank is headquartered in Edmond, United States, in the North America region.
How does F&M Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are service Fees and deposit Taking.
Who are F&M Bank's main competitors?
Regional players on record are Simmons Bank, Prosperity Bank and INTRUST Bank. BOK Financial is listed as a broad incumbent. Direct peers are First United Bank, Farmers National Bank, Arvest Bank, BancFirst, MidFirst Bank and SpiritBank.
Does F&M Bank have an API?
No public API is recorded for F&M Bank.
What industry is F&M Bank in?
F&M Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAKAF, SME/Industrial Development Banks. Its NAICS code is 52211 and its SIC code is 6022.