Manchester, GA · Cert 16916 · F&M Holding Co. Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.0% share · #62 of 81 inst. · $0.1B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 1.14% | 1.15% | 1.10% | 3.78% | 3.18% | 0.88% | 0.88% | -22 bps | |
| Return on Equity | 19.53% | 23.52% | 20.66% | 19.31% | 59.39% | 47.07% | 10.47% | 10.24% | -906 bps | |
| Net Interest Margin | 4.32% | 4.58% | 4.58% | 4.54% | 4.53% | 4.46% | 4.71% | 4.75% | +21 bps | |
| Efficiency Ratio | 81.39% | 77.76% | 77.86% | 78.37% | 27.24% | 56.66% | 82.45% | 82.65% | +428 bps | |
| Non-Interest Burden | 3.37% | 3.39% | 3.39% | 3.40% | 0.68% | 1.31% | 3.76% | 3.81% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.97% | 7.71% | 5.45% | 3.01% | 6.09% | 10.51% | 10.27% | 5.18% | +218 bps | |
| Loan Growth (YoY) | 7.37% | 11.36% | 9.10% | 7.29% | 2.77% | 8.70% | 1.81% | 5.91% | -138 bps | |
| Deposit Growth (YoY) | 2.41% | -0.05% | 4.11% | -0.93% | -0.13% | 5.99% | 4.32% | 1.99% | +291 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.06% | 1.00% | 0.65% | 0.62% | 0.61% | 0.54% | 0.57% | 0.52% | -9 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.14% | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.00% | 1.11% | 1.16% | 1.15% | 1.20% | 1.11% | 1.24% | 1.18% | +3 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.1x | 1.8x | 1.9x | 2.0x | 2.0x | 2.2x | 2.3x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.95% | 7.64% | 7.52% | 7.68% | 10.05% | 9.93% | 9.86% | 10.17% | +249 bps | |
| Total Risk-Based Capital | 9.63% | 9.69% | 10.48% | 10.30% | 13.42% | 12.09% | 14.18% | 12.84% | +253 bps | |
| Equity / Assets | 5.23% | 5.34% | 5.81% | 5.96% | 8.26% | 8.23% | 8.54% | 8.91% | +295 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.61% | 80.77% | 75.28% | 77.55% | 76.77% | 82.84% | 73.47% | 80.54% | +299 bps | |
| Liquid Assets / Assets | 8.32% | 8.17% | 8.78% | 9.19% | 8.90% | 9.03% | 14.00% | 8.00% | -119 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 359% | 415% | 360% | n/a | n/a | |