F & M Bank and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing liabilities edged down 0.20 percentage points between Q1 2026 and Q2 2026, to 1.83%. Within Georgia, F & M Bank and Trust Company is 16th of 121 on net interest margin, 5.21% as of Q2 2026, above the middle of the field. F & M Bank and Trust Company reported 5.21% on net interest margin for Q2 2026, 1.32 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.41% |
| Yield on loans | 7.56% |
| Yield on securities | 1.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.83% |
| Cost of interest-bearing liabilities | 1.83% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.21% |
| Yield to cost spread | 4.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $243K |
| Interest expense on deposits | $242K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.08% | 1.03% | 4.92% | 6.83% | 1.46% |
| Q4 2023 | 6.27% | 1.28% | 4.84% | 7.06% | 1.47% |
| Q1 2024 | 6.61% | 1.21% | 5.27% | 7.35% | 1.40% |
| Q2 2024 | 6.80% | 1.36% | 5.30% | 7.73% | 1.52% |
| Q3 2024 | 6.67% | 1.46% | 5.08% | 7.49% | 1.37% |
| Q4 2024 | 7.19% | 1.24% | 5.78% | 8.13% | 1.40% |
| Q1 2025 | 6.88% | 1.44% | 5.30% | 7.90% | 1.38% |
| Q2 2025 | 6.91% | 1.50% | 5.34% | 7.85% | 1.15% |
| Q3 2025 | 6.58% | 1.65% | 4.94% | 7.83% | 1.34% |
| Q4 2025 | 6.92% | 1.51% | 5.46% | 7.88% | 1.18% |
| Q1 2026 | 6.53% | 1.43% | 5.17% | 7.42% | 1.36% |
| Q2 2026 | 6.41% | 1.25% | 5.21% | 7.56% | 1.41% |
F & M Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock F & M Bank and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)