F&M Bank and Trust Company
Hannibal, MO · Cert 30595 · Peer group: banks under $1B in assets in MO (n=82-83) · Farmers&Merchants Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$182.4MAssets
$124.5MLoans
$164.3MDeposits
$17.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MO (rank 12 of 82).
- Widest gap: net interest margin trails 80% of banks under $1B in assets in MO (rank 66 of 83).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.91%
Rank 66 of 83
Net Interest Margin
3.28%
Rank 66 of 83
Efficiency Ratio
69.12%
Rank 64 of 83
Equity / Assets
9.39%
Rank 54 of 83
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 24% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.96% | 1.32% | 1.75% | Beats 20% | 66 / 83 | |
| Return on Equity | 9.66% | 9.66% | 12.96% | 15.76% | Beats 24% | 63 / 83 | |
| Net Interest Margin | 3.28% | 3.35% | 3.85% | 4.16% | Beats 20% | 66 / 83 | |
| Efficiency Ratio | 69.12% | 49.83% | 58.83% | 68.51% | Beats 24% | 64 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.08% | 0.51% | 1.01% | Beats 34% | 55 / 82 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 12 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 15.38% | 11.01% | 12.49% | 14.98% | Beats 78% | 18 / 83 | |
| Total Risk-Based Capital Ratio | 16.47% | 11.13% | 13.01% | 15.10% | Beats 81% | 16 / 83 | |
| Equity / Assets | 9.39% | 8.83% | 10.71% | 13.29% | Beats 35% | 54 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 75.76% | 69.28% | 83.22% | 91.21% | 35th pctl | 53 / 82 | |
| Loans / Assets | 68.27% | 59.34% | 71.15% | 78.36% | 41st pctl | 49 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |