Granite Quarry, NC · Cert 2036 · F&M Financial Corp.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.2% share · #15 of 47 inst. · $0.8B of $432.7B
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 | 2.36% | 2.36% | 2.19% | 2.22% | 2.25% | 2.24% | 2.48% | 2.55% | +33 bps | |
| Return on Equity | 18.21% | 17.86% | 15.53% | 15.69% | 15.72% | 15.52% | 16.66% | 17.09% | +140 bps | |
| Net Interest Margin | 5.06% | 4.98% | 4.89% | 4.84% | 4.86% | 4.76% | 4.77% | 4.80% | -4 bps | |
| Efficiency Ratio | 49.03% | 49.76% | 52.97% | 52.37% | 51.98% | 52.14% | 48.18% | 47.88% | -449 bps | |
| Non-Interest Burden | 2.00% | 2.00% | 2.14% | 2.08% | 2.05% | 2.01% | 1.69% | 1.73% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.56% | -2.45% | 0.68% | 4.01% | 5.33% | 8.00% | 6.46% | 7.27% | +326 bps | |
| Loan Growth (YoY) | 1.58% | -0.93% | -2.78% | -1.82% | -2.28% | -0.24% | 0.40% | 2.14% | +396 bps | |
| Deposit Growth (YoY) | -10.09% | -4.89% | -1.71% | 2.89% | 4.61% | 7.50% | 6.17% | 6.60% | +371 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.10% | 0.62% | 0.20% | 0.66% | 0.62% | 0.67% | 0.79% | +59 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.10% | -0.04% | -0.03% | 0.01% | -0.14% | -0.28% | -24 bps | |
| Allowance / Loans | 1.94% | 1.97% | 2.00% | 1.98% | 1.99% | 1.95% | 1.96% | 1.91% | -7 bps | |
| Allowance Coverage of NPLs | 19.1x | 20.1x | 3.2x | 10.1x | 3.0x | 3.1x | 2.9x | 2.4x | -7.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.90% | 14.00% | 14.56% | 14.46% | 14.80% | 14.89% | 15.17% | 15.25% | +79 bps | |
| Total Risk-Based Capital | 23.01% | 23.86% | 24.73% | 24.91% | 25.73% | 25.83% | 26.73% | 26.72% | +181 bps | |
| Equity / Assets | 13.95% | 14.02% | 14.13% | 14.28% | 14.79% | 14.91% | 14.84% | 14.96% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.63% | 70.26% | 66.98% | 67.01% | 65.98% | 65.20% | 63.35% | 64.21% | -280 bps | |
| Liquid Assets / Assets | 22.73% | 22.38% | 23.67% | 20.69% | 19.91% | 17.83% | 18.12% | 17.57% | -312 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 275% | 271% | 259% | n/a | n/a | |