← Back to F&M— Community Reinvestment
Local deposits, local lending.
Every dollar deposited at F&M is reinvested in the towns we serve — through home loans, ag operating lines, business credit, and grants to neighbors who need a hand.
98%
of deposits reinvested locally
$430M
in active community lending
1,200+
Nebraska families housed in 2025
Our most recent Community Reinvestment Act performance evaluation is available in any branch and may be requested by writing to F&M Bank, P.O. Box 998, West Point, NE 68788.