F&M Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks F&M Bank of Washington, GA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.35% | 1.25% | +0.10% | 55th above |
| ROAE | 10.76% | 13.17% | -2.41% | 40th below |
| Net Interest Margin | 4.86% | 3.95% | +0.91% | 90th top |
| Efficiency Ratio | 59.62% | 61.50% | -1.88% | 54th above |
| PPNR / Avg Assets | 1.81% | — | — | 62nd above |
| Yield on Earning Assets | 6.44% | 5.67% | +0.77% | 85th top |
| Cost of Funds | 1.75% | 1.87% | -0.12% | 53rd above |
| Net Interest Spread | 4.12% | — | — | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 0.93% | -0.55% | 52nd above |
| NPA / Total Assets | 0.26% | — | — | 54th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 75th top |
| ACL / Total Loans | 1.92% | — | — | 92nd top |
| ACL / NPLs (Coverage) | 500.09% | — | — | 71st above |
| Texas Ratio | 1.83% | 6.06% | -4.23% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.93% | 11.75% | +3.18% | 86th top |
| Equity / Assets | 12.96% | 10.98% | +1.98% | 78th top |
| TCE / Tangible Assets | 12.96% | — | — | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.77% | 80.44% | -1.67% | 54th above |
| Core Deposit Ratio | 86.20% | 86.95% | -0.75% | 36th below |
| Wholesale Funding Ratio | 1.19% | — | — | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.38% | — | — | 64th above |
| Loan Growth (Y/Y) | 8.92% | — | — | 69th above |
| Deposit Growth (Y/Y) | 5.91% | — | — | 63rd above |
See F&M Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock F&M Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full F&M Bank profile, how to read a UBPR, or how this data updates.