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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.59 percentage points higher than in Q1 2026, at 78.77%. F&M Bank ranks 77th of 121 Georgia banks on return on assets, in the lower half at 1.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. F&M Bank sits 0.10 points higher, at 1.35% (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 | 14.93% |
| Equity capital to assets | 12.96% |
| Tangible equity to tangible assets | 12.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.83% |
| Allowance for credit losses to loans | 1.92% |
| Reserve coverage of non-performing loans | 500.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 10.76% |
| Net interest margin | 4.86% |
| Efficiency ratio | 59.62% |
| Yield on earning assets | 6.44% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.77% |
| Core deposits to total deposits | 86.20% |
| Brokered deposits to total deposits | 1.43% |
| Deposits to assets | 84.97% |
| Securities to assets | 22.67% |
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 | 14.32% | 1.35% | 4.32% | 0.21% | 0.00% |
| Q4 2023 | 15.83% | 1.22% | 4.38% | 0.14% | -0.01% |
| Q1 2024 | 14.33% | 1.36% | 4.41% | 0.13% | 0.00% |
| Q2 2024 | 14.37% | 1.34% | 4.72% | 0.14% | 0.00% |
| Q3 2024 | 14.80% | 1.20% | 4.64% | 0.11% | -0.21% |
| Q4 2024 | 14.45% | 1.34% | 4.85% | 0.16% | 0.01% |
| Q1 2025 | 14.51% | 1.27% | 4.70% | 0.26% | 0.00% |
| Q2 2025 | 14.67% | 1.57% | 4.78% | 0.48% | 0.08% |
| Q3 2025 | 15.10% | 1.41% | 4.99% | 0.13% | 1.00% |
| Q4 2025 | 15.08% | 1.48% | 4.88% | 0.09% | 0.01% |
| Q1 2026 | 14.40% | 1.40% | 4.75% | 0.07% | 0.00% |
| Q2 2026 | 14.93% | 1.35% | 4.86% | 0.38% | 0.00% |
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 16897) · FFIEC NIC profile (RSSD 510330)