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 | |