F & M Community Bank, National Association
Preston, MN · Cert 10967 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · F&M Financial Services Inc.
National charter · OCC · 3 branches
Q2 2026
$211.1MAssets
$150.8MLoans
$184.4MDeposits
$17.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets operating in a single state (rank 692 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.94%
Rank 435 of 746
Net Interest Margin
3.40%
Rank 485 of 746
Efficiency Ratio
71.05%
Rank 487 of 746
Equity / Assets
8.20%
Rank 631 of 746
Non-interest income vs. expense
Unfavorable gap of $4.7M · efficiency ratio beats 35% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.72% | 1.06% | 1.45% | Beats 42% | 435 / 746 | |
| Return on Equity | 11.52% | 6.74% | 10.51% | 13.63% | Beats 60% | 301 / 746 | |
| Net Interest Margin | 3.40% | 3.17% | 3.68% | 4.16% | Beats 35% | 485 / 746 | |
| Efficiency Ratio | 71.05% | 55.74% | 64.58% | 75.47% | Beats 35% | 487 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 60% | 299 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.93% | 11.55% | 13.75% | 17.60% | Beats 8% | 690 / 746 | |
| Total Risk-Based Capital Ratio | 9.93% | 11.71% | 14.33% | 18.43% | Beats 7% | 692 / 746 | |
| Equity / Assets | 8.20% | 8.90% | 10.51% | 13.06% | Beats 15% | 631 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 81.75% | 61.31% | 78.27% | 90.78% | 57th pctl | 321 / 746 | |
| Loans / Assets | 71.43% | 53.60% | 66.97% | 76.08% | 60th pctl | 295 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |