| Metric | F&M Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.2% | +4.4% | -12.5 pts |
| Deposit growth (YoY) | -10.3% | +4.0% | -14.3 pts |
| Loan growth (YoY) | -7.0% | +5.6% | -12.6 pts |
| ROA | 1.46% | 1.24% | +0.2 pts |
| ROE | 12.7% | 11.9% | +0.8 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $135.3M | $115.1M | $55.4M | $15.9M | $989K | 1.46% | 3.44% | 0.00% |
| Q1 2026 | $142.3M | $122.4M | $55.1M | $15.6M | $440K | 1.29% | 3.28% | 0.00% |
| Q4 2025 | $129.5M | $110.4M | $59.8M | $15.3M | $1.7M | 1.29% | 3.40% | 0.00% |
| Q3 2025 | $127.5M | $107.5M | $58.5M | $15.9M | $1.2M | 1.22% | 3.36% | 0.00% |
| Q2 2025 | $147.3M | $128.4M | $59.6M | $15.1M | $755K | 1.10% | 3.22% | 0.00% |
| Q1 2025 | $131.7M | $113.6M | $59.1M | $14.7M | $356K | 1.07% | 3.26% | 0.00% |
| Q4 2024 | $134.2M | $116.5M | $63.2M | $14.1M | $1.3M | 0.99% | 3.07% | 0.00% |
| Q3 2024 | $131.3M | $112.8M | $59.5M | $15.1M | $1.1M | 1.17% | 3.01% | 0.00% |
Loan mix (Q2 2026): real estate $37.2M · commercial $3.8M · consumer $1.9M · securities $41.2M
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 62.9% | 36th |
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% |
The full ratio pack is part of CharterBench Pro.