F&M Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q4 2025 | $1.5B | $1.4B | $1.1B | $157M | $3M | 0.93% | 10.11% | 3.47% | 0.17% |
| Q3 2025 | $1.5B | $1.4B | $1.2B | $145M | $4M | 1.00% | 11.15% | 3.44% | 0.19% |
| Q2 2025 | $1.6B | $1.4B | $1.2B | $144M | $5M | 0.99% | 11.28% | 3.34% | 0.07% |
| Q1 2025 | $1.7B | $1.5B | $1.2B | $147M | $3M | 0.78% | 8.91% | 3.24% | 0.06% |
| Q4 2024 | $1.7B | $1.5B | $1.2B | $145M | $2M | 0.58% | 6.95% | 3.08% | 0.07% |
| Q3 2024 | $1.7B | $1.5B | $1.2B | $149M | $4M | 0.66% | 7.86% | 3.03% | 0.03% |
| Q2 2024 | $1.7B | $1.5B | $1.2B | $143M | $3M | 0.58% | 7.06% | 2.91% | 0.09% |
| Q1 2024 | $1.8B | $1.6B | $1.3B | $147M | $2M | 0.52% | 6.30% | 2.83% | 0.08% |
| Q4 2023 | $1.8B | $1.6B | $1.3B | $149M | $2M | 0.66% | 7.51% | 3.21% | 0.01% |
| Q3 2023 | $1.7B | $1.5B | $1.2B | $137M | $3M | 0.73% | 8.20% | 3.32% | 0.01% |
| Q2 2023 | $1.7B | $1.5B | $1.2B | $153M | $3M | 0.79% | 8.61% | 3.39% | 0.01% |
| Q1 2023 | $1.7B | $1.5B | $1.2B | $151M | $4M | 0.87% | 9.42% | 3.47% | 0.02% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.