FMB 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 Securities to assets: 6.69 percentage points lower than in Q1 2026, at 41.23%. FMB Bank has the 5th lowest return on assets of the 191 banks headquartered in Missouri, at 0.20% as of Q2 2026. FMB Bank's return on assets of 0.20% is well below the 1.00% median for banks in the < $100M asset tier, a gap of 0.80 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.55% |
| Tier 1 risk-based capital ratio | 14.55% |
| Total risk-based capital ratio | 15.10% |
| Tier 1 leverage ratio | 7.49% |
| Equity capital to assets | 6.83% |
| Tangible equity to tangible assets | 6.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.09% |
| Texas ratio | 0.05% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.20% |
| Return on equity | 2.98% |
| Net interest margin | 3.36% |
| Efficiency ratio | 85.19% |
| Yield on earning assets | 4.53% |
| Cost of funds | 0.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 32.25% |
| Core deposits to total deposits | 97.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.89% |
| Securities to assets | 41.23% |
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 | 12.72% | 12.72% | 13.44% | 8.00% | 0.15% |
| Q4 2023 | 12.44% | 12.44% | 13.13% | 8.25% | 0.07% |
| Q1 2024 | 12.66% | 12.66% | 13.36% | 7.23% | 0.16% |
| Q2 2024 | 12.33% | 12.33% | 13.02% | 7.14% | -0.19% |
| Q3 2024 | 13.30% | 13.30% | 14.03% | 8.06% | 0.38% |
| Q4 2024 | 14.12% | 14.12% | 14.83% | 8.76% | -0.42% |
| Q1 2025 | 13.49% | 13.49% | 14.17% | 7.34% | 0.08% |
| Q2 2025 | 12.87% | 12.87% | 13.53% | 7.72% | 0.13% |
| Q3 2025 | 14.13% | 14.13% | 14.80% | 8.98% | 1.73% |
| Q4 2025 | 14.90% | 14.90% | 15.37% | 8.82% | 0.17% |
| Q1 2026 | 15.41% | 15.41% | 15.88% | 7.57% | 0.22% |
| Q2 2026 | 14.55% | 14.55% | 15.10% | 7.49% | 0.20% |
FMB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FMB 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 FMB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12225) · FFIEC NIC profile (RSSD 509857)