F & M Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 70.70 percentage points lower than in Q1 2026, at 145.17%. Within Georgia, F & M Bank and Trust Company is 101st of 121 on return on assets, 0.87% as of Q2 2026, below the middle of the field. F & M Bank and Trust Company reported 0.87% on return on assets for Q2 2026, 0.11 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.85% |
| Tier 1 risk-based capital ratio | 11.85% |
| Total risk-based capital ratio | 12.84% |
| Tier 1 leverage ratio | 10.17% |
| Equity capital to assets | 8.91% |
| Tangible equity to tangible assets | 8.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.82% |
| Non-performing assets ratio | 0.58% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.95% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 145.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 10.02% |
| Net interest margin | 5.21% |
| Efficiency ratio | 82.49% |
| Yield on earning assets | 6.41% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.54% |
| Core deposits to total deposits | 96.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.38% |
| Securities to assets | 5.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 7.91% | 7.91% | 8.79% | 6.47% | 0.90% |
| Q4 2023 | 8.16% | 8.16% | 9.05% | 6.71% | 0.61% |
| Q1 2024 | 8.33% | 8.33% | 9.20% | 6.88% | 0.81% |
| Q2 2024 | 8.08% | 8.08% | 8.94% | 6.79% | 0.84% |
| Q3 2024 | 8.72% | 8.72% | 9.63% | 6.95% | 1.09% |
| Q4 2024 | 8.71% | 8.71% | 9.69% | 7.64% | 1.84% |
| Q1 2025 | 9.45% | 9.45% | 10.48% | 7.52% | 1.14% |
| Q2 2025 | 9.30% | 9.30% | 10.30% | 7.68% | 1.04% |
| Q3 2025 | 12.37% | 12.37% | 13.42% | 10.05% | 9.17% |
| Q4 2025 | 11.16% | 11.16% | 12.09% | 9.93% | 1.56% |
| Q1 2026 | 13.09% | 13.09% | 14.18% | 9.86% | 0.88% |
| Q2 2026 | 11.85% | 11.85% | 12.84% | 10.17% | 0.87% |
F & M Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock F & M Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)