Piedmont, AL · Cert 1735 · F&M Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
29
Profitability
43
Liquidity
34
Efficiency
25
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Piedmont, AL · Cert 1735 · F&M Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Anniston-Oxford, AL · 2026 SOD (annual) · 11.9% share · #4 of 11 inst. · $0.3B of $2.1B
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 | 0.85% | 0.84% | 0.79% | 0.77% | 0.71% | 0.69% | 0.84% | 0.85% | +8 bps | |
| Return on Equity | 9.53% | 9.43% | 8.83% | 8.55% | 7.71% | 7.35% | 8.18% | 8.23% | -32 bps | |
| Net Interest Margin | 3.74% | 3.66% | 3.68% | 3.58% | 3.62% | 3.66% | 3.80% | 3.86% | +28 bps | |
| Efficiency Ratio | 74.61% | 76.13% | 76.97% | 76.64% | 77.81% | 77.22% | 76.16% | 76.08% | -55 bps | |
| Non-Interest Burden | 2.65% | 2.66% | 2.72% | 2.63% | 2.71% | 2.71% | 2.77% | 2.80% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.62% | -1.20% | 10.05% | 9.69% | 6.71% | 5.27% | 0.12% | -1.88% | -1,157 bps | |
| Loan Growth (YoY) | 4.44% | 5.61% | 4.76% | 1.39% | -5.56% | -2.48% | 1.62% | 8.12% | +672 bps | |
| Deposit Growth (YoY) | -0.08% | -1.90% | 9.66% | 9.64% | 7.69% | 3.73% | -1.31% | -5.46% | -1,510 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 0.38% | 0.25% | 0.45% | 0.15% | 0.82% | 0.60% | 0.78% | +33 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.08% | 0.11% | 0.06% | 0.03% | 0.01% | 0.01% | 0.10% | +4 bps | |
| Allowance / Loans | 1.44% | 1.40% | 1.39% | 1.41% | 1.44% | 1.42% | 1.38% | 1.27% | -14 bps | |
| Allowance Coverage of NPLs | 2.5x | 3.7x | 5.5x | 3.1x | 9.7x | 1.7x | 2.3x | 1.6x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.70% | 12.53% | 12.54% | 12.14% | 12.19% | 12.32% | 12.43% | 12.73% | +59 bps | |
| Total Risk-Based Capital | 17.53% | 18.67% | 18.76% | 17.98% | 18.20% | 18.35% | 18.53% | 17.87% | -11 bps | |
| Equity / Assets | 9.92% | 8.92% | 9.02% | 8.99% | 10.01% | 10.27% | 10.33% | 10.36% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.32% | 54.77% | 51.22% | 49.89% | 50.26% | 51.49% | 52.74% | 57.06% | +717 bps | |
| Liquid Assets / Assets | 0.53% | 1.10% | 0.88% | 0.59% | 0.52% | 1.36% | 1.30% | 0.68% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 176.18% | 173.45% | 173.97% | n/a | n/a | |
Piedmont, AL · Cert 1735 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · F&M Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
0.85%
Rank 483 of 746
Net Interest Margin
3.86%
Rank 304 of 746
Efficiency Ratio
76.08%
Rank 564 of 746
Equity / Assets
10.36%
Rank 388 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.72% | 1.06% | 1.45% | Beats 35% | 483 / 746 | ||
| Return on Equity | 8.24% | 6.74% | 10.51% | 13.63% | Beats 35% | 482 / 746 | ||
| Net Interest Margin | 3.86% | 3.17% | 3.68% | 4.16% | Beats 59% | 304 / 746 | ||
| Efficiency Ratio | 76.08% | 55.74% | 64.58% | 75.47% | Beats 25% | 564 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.78% | 0.09% | 0.42% | 1.07% | Beats 33% | 497 / 743 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 24% | 563 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.02% | 11.55% | 13.75% | 17.60% | Beats 72% | 208 / 746 | ||
| Total Risk-Based Capital Ratio | 17.87% | 11.71% | 14.33% | 18.43% | Beats 73% | 203 / 746 | ||
| Equity / Assets | 10.36% | 8.90% | 10.51% | 13.06% | Beats 48% | 388 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.06% | 61.31% | 78.27% | 90.78% | 20th pctl | 599 / 746 | ||
| Loans / Assets | 49.65% | 53.60% | 66.97% | 76.08% | 21st pctl | 593 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||