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F & M Bank and Trust Company

Manchester, GA · Cert 16916 · F&M Holding Co. Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$87.4MAssets
$62.2MLoans
$77.2MDeposits
$7.8MEquity
Loan mix
86%RE $48.0M9%C&I $5.2M4%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $53.2M31%Noninterest $24.1MQ2 2025Q2 2026

NIM

5.56%Q2 ’245.89%Q2 ’255.93%Q2 ’26+4%+5%

Non-interest income vs. expense

4.27%Q2 ’244.14%Q2 ’254.51%Q2 ’26-3%+12%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.0% share · #62 of 81 inst. · $0.1B of $255.1B

Executive Summary

  • Earnings: ROA of 0.88%, down 22 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 0.52% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.17%, up 249 bps from a year ago.
  • Funding: loans stand at 80.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%-22 bps YoY

Net Interest Margin (YTD, annualized)

4.75%+21 bps YoY

Efficiency Ratio (YTD, annualized)

82.65%+428 bps YoY

Tier 1 Leverage Ratio

10.17%+249 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%3.78%3.18%0.88%0.88%-22 bps
Return on Equity19.31%59.39%47.07%10.47%10.24%-906 bps
Net Interest Margin4.54%4.53%4.46%4.71%4.75%+21 bps
Efficiency Ratio78.37%27.24%56.66%82.45%82.65%+428 bps
Non-Interest Burden3.40%0.68%1.31%3.76%3.81%+41 bps
Growth
Asset Growth (YoY)3.01%6.09%10.51%10.27%5.18%+218 bps
Loan Growth (YoY)7.29%2.77%8.70%1.81%5.91%-138 bps
Deposit Growth (YoY)-0.93%-0.13%5.99%4.32%1.99%+291 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.61%0.54%0.57%0.52%-9 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%-0.01%0.00%0 bps
Allowance / Loans1.15%1.20%1.11%1.24%1.18%+3 bps
Allowance Coverage of NPLs1.9x2.0x2.0x2.2x2.3x+0.4x
Capital
Tier 1 Leverage Ratio7.68%10.05%9.93%9.86%10.17%+249 bps
Total Risk-Based Capital10.30%13.42%12.09%14.18%12.84%+253 bps
Equity / Assets5.96%8.26%8.23%8.54%8.91%+295 bps
Liquidity & Funding
Loans / Deposits77.55%76.77%82.84%73.47%80.54%+299 bps
Liquid Assets / Assets9.19%8.90%9.03%14.00%8.00%-119 bps
CRE / Total Capitaln/a359%415%360%n/an/a