F & M Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 33.34 percentage points higher than in Q1 2026, at 268.26%. F & M Bank and Trust Company ranks 59th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 80.54% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. F & M Bank and Trust Company sits 12.91 points higher, at 80.54% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $62.2M |
| Net loans and leases | $61.5M |
| Loans held for sale | $0 |
| Loans to total assets | 71.18% |
| Loan-to-deposit ratio | 80.54% |
| Net loans to equity capital | 7.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.95% |
| Multifamily (5+ residential) | 1.90% |
| Commercial and industrial | 8.10% |
| Consumer | 3.72% |
| Credit cards | 0.00% |
| Farm | 6.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 268.26% |
| Construction concentration (Tier 1 capital + allowance) | 93.71% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.56% |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $52.2M | $73.4M | 36.59% | 11.36% | 4.51% |
| Q4 2023 | $52.2M | $72.1M | 37.84% | 11.37% | 4.89% |
| Q1 2024 | $52.3M | $72.8M | 36.85% | 12.13% | 4.87% |
| Q2 2024 | $54.7M | $76.4M | 35.78% | 11.88% | 5.00% |
| Q3 2024 | $56.1M | $75.2M | 35.47% | 10.87% | 4.66% |
| Q4 2024 | $58.2M | $72.0M | 36.50% | 10.08% | 4.38% |
| Q1 2025 | $57.1M | $75.8M | 35.44% | 10.13% | 4.25% |
| Q2 2025 | $58.7M | $75.7M | 35.56% | 9.87% | 4.21% |
| Q3 2025 | $57.6M | $75.1M | 36.29% | 9.27% | 4.15% |
| Q4 2025 | $63.2M | $76.3M | 38.73% | 8.61% | 3.59% |
| Q1 2026 | $58.1M | $79.1M | 40.68% | 9.02% | 4.13% |
| Q2 2026 | $62.2M | $77.2M | 42.95% | 8.10% | 3.72% |
F & M Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock F & M Bank and Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full F & M Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16916) · FFIEC NIC profile (RSSD 937834)