F & M Community Bank, N.A.: 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 Loan-to-deposit ratio: 2.63 percentage points lower than in Q1 2026, at 81.75%. F & M Community Bank, N.A. ranks 133rd of 221 Minnesota banks on return on assets, in the lower half at 1.23% (Q2 2026). At 1.23%, F & M Community Bank, N.A.'s return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.93% |
| Equity capital to assets | 8.20% |
| Tangible equity to tangible assets | 8.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 15.31% |
| Net interest margin | 3.76% |
| Efficiency ratio | 70.22% |
| Yield on earning assets | 5.15% |
| Cost of funds | 1.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.75% |
| Core deposits to total deposits | 96.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.38% |
| Securities to assets | 16.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.03% | 0.41% | 3.04% | 0.00% | 0.00% |
| Q4 2023 | 8.94% | 0.49% | 2.86% | 0.00% | 0.01% |
| Q1 2024 | 9.11% | 0.18% | 2.86% | 0.00% | 0.02% |
| Q2 2024 | 9.13% | 0.33% | 2.90% | 0.00% | 0.01% |
| Q3 2024 | 9.16% | 0.40% | 2.97% | 0.07% | 0.01% |
| Q4 2024 | 9.16% | 0.56% | 3.14% | 0.00% | 0.19% |
| Q1 2025 | 9.38% | 0.70% | 3.23% | 0.00% | -0.01% |
| Q2 2025 | 9.70% | 0.98% | 3.55% | 0.00% | 0.00% |
| Q3 2025 | 9.76% | 1.04% | 3.52% | 0.00% | -0.01% |
| Q4 2025 | 9.88% | 0.82% | 3.63% | 0.00% | 0.00% |
| Q1 2026 | 9.93% | 0.87% | 3.66% | 0.00% | 0.00% |
| Q2 2026 | 9.93% | 1.23% | 3.76% | 0.00% | 0.01% |
F & M Community Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock F & M Community Bank, N.A., 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 Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10967) · FFIEC NIC profile (RSSD 171759)