F&M Bank
West Point, NE · Cert 14922 · Peer group: banks under $1B in assets operating regionally (n=94) · R Dean Phillips Bk Tr Dated 11-19-2004
State charter, non-member · FDIC · 6 affiliate banks · 6 branches (43 in holding)
Q2 2026
$354.6MAssets
$296.5MLoans
$311.6MDeposits
$41.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets operating regionally (rank 15 of 94).
- Widest gap: total risk-based capital ratio trails 56% of banks under $1B in assets operating regionally (rank 53 of 94).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.50%
Rank 21 of 94
Net Interest Margin
4.00%
Rank 33 of 94
Efficiency Ratio
60.18%
Rank 38 of 94
Equity / Assets
11.65%
Rank 19 of 94
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 61% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.50% | 0.82% | 1.19% | 1.46% | Beats 78% | 21 / 94 | | |
| Return on Equity | 12.90% | 7.85% | 11.84% | 14.03% | Beats 65% | 33 / 94 | | |
| Net Interest Margin | 4.00% | 3.42% | 3.81% | 4.18% | Beats 65% | 33 / 94 | | |
| Efficiency Ratio | 60.18% | 55.99% | 62.41% | 73.02% | Beats 61% | 38 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.19% | 0.47% | 1.14% | Beats 85% | 15 / 94 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 73% | 26 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 10.28% | 11.95% | 15.07% | Beats 47% | 50 / 94 | | |
| Total Risk-Based Capital Ratio | 11.76% | 10.31% | 12.59% | 15.88% | Beats 44% | 53 / 94 | | |
| Equity / Assets | 11.65% | 8.98% | 10.21% | 11.41% | Beats 80% | 19 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.16% | 72.62% | 84.44% | 94.55% | 76th pctl | 23 / 94 | | |
| Loans / Assets | 83.61% | 62.50% | 72.84% | 78.99% | 85th pctl | 14 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |