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.
Securities to assets climbed 4.82 percentage points in Q2 2026, from 25.63% to 30.45%. It was the largest change from Q1 2026 among the key lines here. F&M Bank ranks 51st of 138 Nebraska banks on return on assets, in the upper half at 1.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. F&M Bank sits 0.32 points higher, at 1.57% (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 | 11.63% |
| Equity capital to assets | 11.78% |
| Tangible equity to tangible assets | 11.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.95% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 13.94% |
| Net interest margin | 3.62% |
| Efficiency ratio | 55.34% |
| Yield on earning assets | 4.73% |
| Cost of funds | 1.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.14% |
| Core deposits to total deposits | 96.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.08% |
| Securities to assets | 30.45% |
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 | 11.38% | 1.22% | 3.13% | 0.00% | 0.00% |
| Q4 2023 | 11.04% | 0.95% | 2.93% | 0.00% | 0.03% |
| Q1 2024 | 11.48% | 1.16% | 2.97% | 0.00% | 0.00% |
| Q2 2024 | 12.01% | 1.21% | 2.97% | 0.00% | 0.01% |
| Q3 2024 | 11.89% | 1.13% | 3.02% | 0.00% | 0.00% |
| Q4 2024 | 10.94% | 0.45% | 3.20% | 0.00% | 0.00% |
| Q1 2025 | 11.29% | 1.07% | 3.27% | 0.00% | 0.00% |
| Q2 2025 | 11.64% | 1.21% | 3.53% | 0.00% | 0.00% |
| Q3 2025 | 11.51% | 1.41% | 3.56% | 0.00% | 0.01% |
| Q4 2025 | 12.08% | 1.55% | 3.79% | 0.00% | 0.01% |
| Q1 2026 | 11.88% | 1.33% | 3.52% | 0.00% | 0.00% |
| Q2 2026 | 11.63% | 1.57% | 3.62% | 0.00% | -0.03% |
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 5401) · FFIEC NIC profile (RSSD 259059)