F&M Bank and Trust Company 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 |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $188M | $170M | $119M | $17M | $394K | 0.85% | 9.45% | 3.50% | 0.88% |
| Q4 2025 | $182M | $165M | $116M | $17M | $386K | 0.74% | 8.94% | 3.29% | 0.92% |
| Q3 2025 | $185M | $169M | $116M | $16M | $338K | 0.70% | 8.72% | 3.23% | 0.92% |
| Q2 2025 | $183M | $167M | $114M | $15M | $319K | 0.69% | 8.70% | 3.17% | 0.94% |
| Q1 2025 | $186M | $171M | $112M | $14M | $305K | 0.67% | 8.73% | 3.13% | 0.00% |
| Q4 2024 | $176M | $162M | $110M | $14M | $334K | 0.59% | 8.13% | 2.87% | 0.49% |
| Q3 2024 | $179M | $164M | $111M | $14M | $265K | 0.53% | 7.49% | 2.79% | 0.07% |
| Q2 2024 | $177M | $163M | $110M | $13M | $200K | 0.51% | 7.33% | 2.74% | 0.00% |
| Q1 2024 | $183M | $170M | $114M | $12M | $255K | 0.56% | 8.30% | 2.72% | 1.66% |
| Q4 2023 | $180M | $167M | $114M | $12M | $268K | 0.61% | 9.45% | 2.86% | 0.05% |
| Q3 2023 | $175M | $161M | $111M | $11M | $317K | 0.61% | 9.66% | 2.86% | 0.00% |
| Q2 2023 | $172M | $159M | $107M | $11M | $252K | 0.55% | 8.53% | 2.82% | 0.01% |
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.