Farmers and Merchants Bank
Total assets
$308.7M
▼ -1.9% YoY
Deposits
$268.6M
▼ -5.5% YoY
Loans
$151.3M
▲ +8.3% YoY
Offices
5
F&M FINANCIAL CORP
ROA (annualized)
0.85%
peers 1.24%
ROE (annualized)
8.23%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +4.4% | -6.2 pts |
| Deposit growth (YoY) | -5.5% | +4.0% | -9.4 pts |
| Loan growth (YoY) | +8.3% | +5.6% | +2.7 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 8.2% | 11.9% | -3.6 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
Profile
- Established
- 1915
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- F&M FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 112 E Ladiga St, Piedmont, AL, 36272
- County
- Calhoun
- Metro area
- Anniston-Oxford, AL
- Offices
- 5
- FDIC cert #
- 1735
- RSSD ID
- 434539
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $308.7M | $268.6M | $151.3M | $32.0M | $1.3M | 0.85% | 4.21% | 0.39% |
| Q1 2026 | $311.8M | $277.6M | $144.4M | $32.2M | $655K | 0.84% | 4.18% | 0.28% |
| Q4 2025 | $310.6M | $276.6M | $140.4M | $31.9M | $2.1M | 0.69% | 4.16% | 0.38% |
| Q3 2025 | $310.4M | $277.0M | $137.2M | $31.1M | $1.6M | 0.71% | 4.17% | 0.07% |
| Q2 2025 | $314.7M | $284.1M | $139.8M | $28.3M | $1.2M | 0.77% | 4.13% | 0.20% |
| Q1 2025 | $311.5M | $281.3M | $142.1M | $28.1M | $601K | 0.79% | 4.11% | 0.12% |
| Q4 2024 | $295.0M | $266.7M | $144.0M | $26.3M | $2.5M | 0.84% | 4.16% | 0.19% |
| Q3 2024 | $290.9M | $257.2M | $145.3M | $28.9M | $1.9M | 0.85% | 4.17% | 0.30% |
Loan mix (Q2 2026): real estate $124.3M · commercial $22.6M · consumer $4.9M · securities $127.3M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.96% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 62.9% | 80th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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