| Metric | F&M Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +4.4% | +2.0 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +8.8% | +5.6% | +3.2 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 11.0% | 11.9% | -0.8 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $419.9M | $356.8M | $275.6M | $54.4M | $3.0M | 1.40% | 4.84% | 0.26% |
| Q1 2026 | $424.1M | $362.2M | $270.6M | $53.0M | $1.5M | 1.43% | 4.79% | 0.05% |
| Q4 2025 | $418.6M | $356.1M | $270.9M | $53.5M | $5.8M | 1.45% | 4.90% | 0.06% |
| Q3 2025 | $396.0M | $335.3M | $262.0M | $51.6M | $4.3M | 1.44% | 4.92% | 0.17% |
| Q2 2025 | $394.7M | $336.9M | $253.4M | $48.1M | $2.9M | 1.44% | 4.83% | 0.31% |
| Q1 2025 | $394.2M | $337.1M | $243.4M | $47.4M | $1.3M | 1.28% | 4.77% | 0.30% |
| Q4 2024 | $396.3M | $341.0M | $239.3M | $46.1M | $5.1M | 1.34% | 4.75% | 0.32% |
| Q3 2024 | $372.5M | $315.2M | $237.1M | $47.9M | $3.7M | 1.34% | 4.71% | 0.30% |
Loan mix (Q2 2026): real estate $243.5M · commercial $19.8M · consumer $9.0M · securities $95.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | F&M Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 62.9% | 45th |
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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