De Leon, TX · Cert 3170 · F&M Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.45% | 1.75% | 1.68% | 1.45% | 1.49% | +4 bps | |
| Return on Equity | 10.79% | 13.08% | 12.56% | 11.04% | 11.50% | +71 bps | |
| Net Interest Margin | 4.03% | 3.85% | 3.91% | 4.17% | 4.06% | +3 bps | |
| Efficiency Ratio | 59.55% | 57.80% | 58.65% | 58.28% | 56.83% | -273 bps | |
| Non-Interest Burden | 2.24% | 2.07% | 2.15% | 2.27% | 2.15% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 55.07% | 43.73% | 39.96% | 39.43% | 10.61% | -4,445 bps | |
| Loan Growth (YoY) | 28.48% | 37.63% | 38.82% | 42.56% | 16.22% | -1,227 bps | |
| Deposit Growth (YoY) | 49.98% | 45.63% | 41.00% | 40.68% | 10.16% | -3,982 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.02% | 0.32% | +32 bps | |
| Allowance / Loans | 1.51% | 1.42% | 1.40% | 1.41% | 1.25% | -25 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.91% | 12.18% | 12.53% | 12.27% | 11.97% | -94 bps | |
| Total Risk-Based Capital | 12.91% | 12.18% | 12.53% | 12.27% | 11.97% | -94 bps | |
| Equity / Assets | 12.21% | 13.11% | 13.28% | 13.05% | 12.61% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.23% | 64.01% | 66.65% | 64.30% | 63.54% | +331 bps | |
| Liquid Assets / Assets | 11.20% | 10.06% | 7.68% | 10.48% | 12.57% | +137 bps | |
| CRE / Total Capital | n/a | 124.60% | 135.64% | 151.27% | n/a | n/a | |