Marinette, WI · Cert 10382 · F&M Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.67% | 0.61% | 1.15% | 1.10% | +49 bps | |
| Return on Equity | 7.20% | 7.65% | 6.91% | 12.27% | 11.77% | +458 bps | |
| Net Interest Margin | 3.45% | 3.50% | 3.58% | 4.04% | 4.05% | +60 bps | |
| Efficiency Ratio | 77.39% | 74.46% | 75.74% | 66.75% | 68.10% | -928 bps | |
| Non-Interest Burden | 2.62% | 2.54% | 2.65% | 2.55% | 2.65% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.65% | 1.40% | 0.60% | 3.06% | 3.69% | +103 bps | |
| Loan Growth (YoY) | 0.95% | -1.29% | 4.35% | 5.59% | 6.78% | +583 bps | |
| Deposit Growth (YoY) | 3.37% | 2.45% | 0.41% | 3.35% | 5.34% | +197 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.46% | 1.12% | 1.07% | 1.21% | 0.91% | -55 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.96% | 1.02% | 1.04% | 1.02% | +21 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.9x | 1.0x | 0.9x | 1.1x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.99% | 11.23% | 11.11% | 11.37% | 11.36% | +37 bps | |
| Total Risk-Based Capital | 17.29% | 18.42% | 17.48% | 17.83% | 17.35% | +6 bps | |
| Equity / Assets | 9.00% | 9.33% | 9.24% | 9.44% | 9.40% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.46% | 78.45% | 81.35% | 82.24% | 83.58% | +113 bps | |
| Liquid Assets / Assets | 0.38% | 0.46% | 0.40% | 0.34% | 0.35% | -2 bps | |
| CRE / Total Capital | n/a | 254% | 268% | 262% | n/a | n/a | |