Marinette, WI · Cert 10382 · F&M Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.39% | 0.65% | 0.58% | 0.78% | 0.44% | 1.15% | 1.06% | +48 bps | |
| Return on Equity | 3.67% | 4.65% | 7.86% | 6.53% | 8.52% | 4.78% | 12.27% | 11.25% | +472 bps | |
| Net Interest Margin | 3.11% | 3.36% | 3.29% | 3.55% | 3.67% | 3.86% | 4.04% | 4.09% | +54 bps | |
| Efficiency Ratio | 82.42% | 86.57% | 78.40% | 76.45% | 69.17% | 79.27% | 66.75% | 69.50% | -695 bps | |
| Non-Interest Burden | 2.52% | 2.88% | 2.54% | 2.66% | 2.43% | 3.02% | 2.55% | 2.78% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.94% | 4.01% | 1.66% | 2.65% | 1.40% | 0.60% | 3.06% | 3.69% | +103 bps | |
| Loan Growth (YoY) | 4.16% | 3.64% | 1.66% | 0.95% | -1.29% | 4.35% | 5.59% | 6.78% | +583 bps | |
| Deposit Growth (YoY) | 0.07% | 2.65% | 0.15% | 3.37% | 2.45% | 0.41% | 3.35% | 5.34% | +197 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.57% | 1.61% | 1.44% | 1.46% | 1.12% | 1.07% | 1.21% | 0.91% | -55 bps | |
| Net Charge-Offs / Loans | 1.74% | -0.01% | 0.00% | 0.00% | 0.02% | -0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.70% | 0.74% | 0.74% | 0.81% | 0.96% | 1.02% | 1.04% | 1.02% | +21 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.5x | 0.5x | 0.9x | 1.0x | 0.9x | 1.1x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.94% | 10.82% | 10.76% | 10.99% | 11.23% | 11.11% | 11.37% | 11.36% | +37 bps | |
| Total Risk-Based Capital | 16.94% | 16.94% | 17.51% | 17.29% | 18.42% | 17.48% | 17.83% | 17.35% | +6 bps | |
| Equity / Assets | 8.83% | 7.93% | 8.72% | 9.00% | 9.33% | 9.24% | 9.44% | 9.40% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.42% | 78.28% | 80.50% | 82.46% | 78.45% | 81.35% | 82.24% | 83.58% | +113 bps | |
| Liquid Assets / Assets | 0.38% | 0.33% | 0.44% | 0.38% | 0.46% | 0.40% | 0.34% | 0.35% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 254% | 268% | 262% | n/a | n/a | |