| Metric | F&M Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.6% | +4.9% | +15.7 pts |
| Deposit growth (YoY) | +22.4% | +4.3% | +18.0 pts |
| Loan growth (YoY) | +16.3% | +5.3% | +10.9 pts |
| ROA | 1.24% | 1.28% | -0.0 pts |
| ROE | 11.6% | 12.4% | -0.9 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $915.3M | $799.0M | $648.0M | $95.9M | $5.5M | 1.24% | 4.45% | 0.26% |
| Q1 2026 | $925.2M | $789.5M | $658.4M | $95.5M | $2.6M | 1.19% | 4.47% | 1.19% |
| Q4 2025 | $809.5M | $667.8M | $595.0M | $92.7M | $11.2M | 1.45% | 4.28% | 1.37% |
| Q3 2025 | $758.0M | $622.9M | $569.8M | $92.0M | $9.5M | 1.67% | 4.26% | 1.54% |
| Q2 2025 | $758.6M | $652.9M | $557.4M | $89.1M | $7.0M | 1.84% | 4.23% | 0.34% |
| Q1 2025 | $753.4M | $654.9M | $534.6M | $86.7M | $3.4M | 1.76% | 4.09% | 0.41% |
| Q4 2024 | $772.0M | $641.6M | $556.0M | $82.4M | $11.8M | 1.56% | 3.85% | 0.45% |
| Q3 2024 | $771.4M | $644.2M | $544.1M | $81.5M | $8.7M | 1.54% | 3.83% | 0.35% |
Loan mix (Q2 2026): real estate $361.2M · commercial $110.1M · consumer $8.1M · securities $176.8M
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.28% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 61.2% | 35th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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