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 | $89M | $79M | $57M | $8M | $197K | 0.88% | 10.47% | 5.60% | 0.57% |
| Q4 2025 | $90M | $76M | $63M | $7M | $339K | 3.18% | 47.07% | 5.47% | 0.54% |
| Q3 2025 | $85M | $75M | $57M | $7M | $2M | 3.78% | 59.36% | 5.37% | 0.61% |
| Q2 2025 | $83M | $76M | $58M | $5M | $217K | 1.10% | 19.31% | 5.43% | 0.62% |
| Q1 2025 | $81M | $76M | $56M | $5M | $234K | 1.15% | 20.66% | 5.45% | 0.65% |
| Q4 2024 | $82M | $72M | $58M | $4M | $359K | 1.14% | 23.52% | 5.33% | 1.00% |
| Q3 2024 | $80M | $75M | $56M | $4M | $220K | 0.92% | 19.53% | 5.24% | 1.06% |
| Q2 2024 | $81M | $76M | $54M | $4M | $165K | 0.82% | 18.16% | 5.25% | 1.10% |
| Q1 2024 | $77M | $73M | $52M | $3M | $154K | 0.81% | 18.03% | 5.16% | 0.74% |
| Q4 2023 | $76M | $72M | $52M | $3M | $115K | 0.68% | 16.96% | 4.88% | 0.77% |
| Q3 2023 | $77M | $73M | $52M | $3M | $172K | 0.70% | 18.07% | 4.89% | 0.78% |
| Q2 2023 | $76M | $73M | $50M | $3M | $123K | 0.60% | 15.66% | 4.86% | 0.83% |
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.