Preston, MN · Cert 10967 · F&M Financial Services Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 2.4% share · #13 of 34 inst. · $0.2B of $7.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.84% | 0.65% | 0.87% | 0.98% | +21 bps | |
| Return on Equity | 10.61% | 10.79% | 8.13% | 10.87% | 12.02% | +141 bps | |
| Net Interest Margin | 3.26% | 3.24% | 3.33% | 3.37% | 3.46% | +21 bps | |
| Efficiency Ratio | 73.64% | 72.32% | 80.04% | 71.08% | 71.02% | -263 bps | |
| Non-Interest Burden | 2.19% | 2.12% | 2.51% | 2.18% | 2.21% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.80% | -2.51% | 1.34% | 2.00% | 1.00% | -80 bps | |
| Loan Growth (YoY) | 2.95% | 3.26% | 5.19% | 5.56% | 1.50% | -145 bps | |
| Deposit Growth (YoY) | 1.95% | -3.64% | 0.34% | 0.01% | 2.77% | +82 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.00% | 0.05% | 0.00% | 0.00% | -18 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.22% | 1.27% | 1.22% | 1.24% | 1.25% | +3 bps | |
| Allowance Coverage of NPLs | 6.6x | n/a | 22.7x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.70% | 9.76% | 9.88% | 9.93% | 9.93% | +23 bps | |
| Total Risk-Based Capital | 9.70% | 9.76% | 9.88% | 9.93% | 9.93% | +23 bps | |
| Equity / Assets | 7.37% | 8.14% | 7.94% | 8.16% | 8.20% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.77% | 83.58% | 82.04% | 84.38% | 81.75% | -102 bps | |
| Liquid Assets / Assets | 0.71% | 0.50% | 0.49% | 0.57% | 0.62% | -9 bps | |
| CRE / Total Capital | n/a | 216% | 234% | 230% | n/a | n/a | |