FM 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 dropped 2870.96 percentage points in Q2 2026, from 3217.24% to 346.28%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, FM Bank is 110th of 221 on return on assets, 1.34% as of Q2 2026, above the middle of the field. FM Bank reported 1.34% on return on assets for Q2 2026, 0.09 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.18% |
| Tier 1 risk-based capital ratio | 11.18% |
| Total risk-based capital ratio | 11.75% |
| Tier 1 leverage ratio | 7.66% |
| Equity capital to assets | 7.93% |
| Tangible equity to tangible assets | 7.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.10% |
| Allowance for credit losses to loans | 0.59% |
| Reserve coverage of non-performing loans | 346.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.34% |
| Return on equity | 17.98% |
| Net interest margin | 3.57% |
| Efficiency ratio | 53.28% |
| Yield on earning assets | 5.47% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.75% |
| Core deposits to total deposits | 90.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.15% |
| Securities to assets | 27.23% |
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 | 10.87% | 10.87% | 11.42% | 7.20% | 0.82% |
| Q4 2023 | 10.40% | 10.40% | 10.93% | 7.05% | 0.11% |
| Q1 2024 | 10.56% | 10.56% | 11.13% | 7.32% | 0.82% |
| Q2 2024 | 10.52% | 10.52% | 11.08% | 7.14% | 0.87% |
| Q3 2024 | 10.73% | 10.73% | 11.28% | 7.43% | 0.88% |
| Q4 2024 | 10.27% | 10.27% | 10.78% | 7.45% | 1.13% |
| Q1 2025 | 10.53% | 10.53% | 11.06% | 7.65% | 1.12% |
| Q2 2025 | 10.67% | 10.67% | 11.18% | 7.64% | 1.16% |
| Q3 2025 | 10.72% | 10.72% | 11.25% | 7.88% | 1.28% |
| Q4 2025 | 10.80% | 10.80% | 11.32% | 7.87% | 0.89% |
| Q1 2026 | 11.27% | 11.27% | 11.84% | 8.27% | 1.44% |
| Q2 2026 | 11.18% | 11.18% | 11.75% | 7.66% | 1.34% |
FM Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FM 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 FM Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10998) · FFIEC NIC profile (RSSD 20857)