F&M State Bank is pleased to provide information for public inspection under the Community Reinvestment Act (CRA). Interested parties can review the data provided and produce hard copy of documents as needed.

Under the CRA, the following information must be maintained in a public file, current as of April 1 of each year.

• A copy of the Public Evaluation of the bank's most recent CRA Performance Evaluation (PDF).
• A list of branch locations (PDF) including hours of operation.
• Branches opened or closed (PDF) during the current year and each of the prior two calendar years.
• Services available (PDF) at the bank's branches including automated teller machines (ATMs).
• A map and tract listing (PDF) for each assessment area designated by the bank.
• Current Loan to Deposit Ratio (PDF) for the prior year.
• All public comments (PDF) received for prior two calendar years.

Any comments or questions about this portion of the F&M State Bank website or about F&M State Bank CRA performance may be emailed to fmsbcra@fandmstatebank.com, or addressed to:

Community Reinvestment Act Program Management
103 N Broadway
Bloomfield, NE 68718