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 225.59 percentage points in Q2 2026, from 414.24% to 639.83%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, F&M Bank is 16th of 138 on return on assets, 2.15% as of Q2 2026, above the middle of the field. F&M Bank's return on assets of 2.15% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.90 points (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 | 11.76% |
| Equity capital to assets | 11.65% |
| Tangible equity to tangible assets | 11.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.41% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 639.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.15% |
| Return on equity | 18.81% |
| Net interest margin | 4.32% |
| Efficiency ratio | 56.64% |
| Yield on earning assets | 5.99% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.16% |
| Core deposits to total deposits | 98.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.86% |
| Securities to assets | 6.02% |
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 | 11.15% | 1.45% | 3.61% | 0.00% | 0.00% |
| Q4 2023 | 10.59% | 1.74% | 3.82% | 0.00% | 0.01% |
| Q1 2024 | 10.91% | 1.55% | 3.91% | 0.00% | 0.00% |
| Q2 2024 | 11.46% | 1.56% | 3.86% | 0.00% | 0.01% |
| Q3 2024 | 11.79% | 1.71% | 4.04% | 0.00% | 0.01% |
| Q4 2024 | 10.65% | 1.61% | 4.01% | 0.00% | 0.00% |
| Q1 2025 | 11.10% | 1.75% | 4.11% | 0.00% | 0.03% |
| Q2 2025 | 11.74% | 1.77% | 4.32% | 0.12% | 0.00% |
| Q3 2025 | 12.35% | 1.44% | 4.44% | 0.12% | 0.00% |
| Q4 2025 | 10.70% | 1.66% | 4.27% | 0.20% | 0.36% |
| Q1 2026 | 11.10% | 1.60% | 4.09% | 0.30% | 0.01% |
| Q2 2026 | 11.76% | 2.15% | 4.32% | 0.20% | -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 14922) · FFIEC NIC profile (RSSD 542153)