F&M Bank: 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.
Reserve coverage of non-performing loans climbed 2843.62 percentage points in Q2 2026, from 110.38% to 2954.00%. It was the largest change from Q1 2026 among the key lines here. F&M Bank ranks 99th of 169 Oklahoma banks on return on assets, in the lower half at 1.25% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; F&M Bank reported 1.25% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.00% |
| Equity capital to assets | 10.48% |
| Tangible equity to tangible assets | 9.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 3.65% |
| Texas ratio | 2.42% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 2954.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 12.12% |
| Net interest margin | 4.42% |
| Efficiency ratio | 54.25% |
| Yield on earning assets | 6.19% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.03% |
| Core deposits to total deposits | 83.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.29% |
| Securities to assets | 19.32% |
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 | 11.33% | 1.68% | 4.02% | 0.44% | -0.02% |
| Q4 2023 | 11.54% | 1.40% | 3.87% | 1.10% | 0.05% |
| Q1 2024 | 10.94% | 1.60% | 3.86% | 0.88% | 0.10% |
| Q2 2024 | 11.08% | 1.53% | 3.78% | 0.69% | -0.01% |
| Q3 2024 | 11.29% | 1.48% | 3.86% | 0.49% | 0.01% |
| Q4 2024 | 11.29% | 1.59% | 3.86% | 0.58% | 0.00% |
| Q1 2025 | 11.91% | 1.77% | 4.17% | 0.52% | -0.01% |
| Q2 2025 | 12.26% | 1.93% | 4.47% | 6.53% | -0.00% |
| Q3 2025 | 12.41% | 1.33% | 4.20% | 8.37% | 0.01% |
| Q4 2025 | 12.40% | 0.87% | 4.50% | 1.81% | -0.00% |
| Q1 2026 | 9.80% | 1.11% | 4.19% | 1.58% | -0.00% |
| Q2 2026 | 10.00% | 1.25% | 4.42% | 0.04% | 3.65% |
F&M Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock F&M Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12761) · FFIEC NIC profile (RSSD 163857)