F&M Bank and Trust Company: 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 Reserve coverage of non-performing loans: 31.66 percentage points lower than in Q1 2026, at 72.91%. Within Missouri, F&M Bank and Trust Company is 160th of 192 on return on assets, 0.92% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. F&M Bank and Trust Company sits 0.34 points lower, at 0.92% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.38% |
| Tier 1 risk-based capital ratio | 15.38% |
| Total risk-based capital ratio | 16.47% |
| Tier 1 leverage ratio | 10.20% |
| Equity capital to assets | 9.39% |
| Tangible equity to tangible assets | 9.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.46% |
| Non-performing assets ratio | 1.06% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 10.78% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 72.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.92% |
| Return on equity | 10.22% |
| Net interest margin | 3.46% |
| Efficiency ratio | 68.06% |
| Yield on earning assets | 4.93% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.76% |
| Core deposits to total deposits | 95.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.11% |
| Securities to assets | 25.52% |
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 | 13.85% | 13.85% | 15.04% | 9.12% | 0.70% |
| Q4 2023 | 13.99% | 13.99% | 15.18% | 9.07% | 0.58% |
| Q1 2024 | 13.98% | 13.98% | 15.12% | 9.00% | 0.54% |
| Q2 2024 | 14.82% | 14.82% | 15.97% | 9.19% | 0.43% |
| Q3 2024 | 14.91% | 14.91% | 16.06% | 9.42% | 0.57% |
| Q4 2024 | 15.27% | 15.27% | 16.38% | 9.56% | 0.72% |
| Q1 2025 | 15.29% | 15.29% | 16.39% | 9.67% | 0.66% |
| Q2 2025 | 15.36% | 15.36% | 16.50% | 9.61% | 0.67% |
| Q3 2025 | 15.35% | 15.35% | 16.48% | 9.76% | 0.72% |
| Q4 2025 | 15.76% | 15.76% | 16.89% | 10.07% | 0.83% |
| Q1 2026 | 15.61% | 15.61% | 16.72% | 10.13% | 0.84% |
| Q2 2026 | 15.38% | 15.38% | 16.47% | 10.20% | 0.92% |
F&M Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock F&M Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30595) · FFIEC NIC profile (RSSD 413673)