F&M Bank
Falls City, NE · Cert 5401 · Peer group: banks under $1B in assets in NE (n=83) · R Dean Phillips Bk Tr Dated 11-19-2004
State charter, non-member · FDIC · 6 affiliate banks · 2 branches (43 in holding)
Q2 2026
$135.3MAssets
$56.6MLoans
$115.1MDeposits
$15.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
- Widest gap: net interest margin trails 78% of banks under $1B in assets in NE (rank 65 of 83).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 48 of 83
Net Interest Margin
3.23%
Rank 65 of 83
Efficiency Ratio
58.13%
Rank 38 of 83
Equity / Assets
11.78%
Rank 36 of 83
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 55% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.93% | 1.20% | 1.51% | Beats 42% | 48 / 83 | |
| Return on Equity | 9.95% | 8.04% | 10.34% | 13.11% | Beats 46% | 45 / 83 | |
| Net Interest Margin | 3.23% | 3.25% | 3.62% | 4.02% | Beats 22% | 65 / 83 | |
| Efficiency Ratio | 58.13% | 51.13% | 59.95% | 67.19% | Beats 55% | 38 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.19% | 0.96% | Beats 100% | 19 / 83 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 48% | 45 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 11.63% | 10.94% | 13.24% | 16.62% | Beats 37% | 52 / 83 | |
| Total Risk-Based Capital Ratio | 11.63% | 11.04% | 13.54% | 17.63% | Beats 31% | 57 / 83 | |
| Equity / Assets | 11.78% | 9.90% | 11.31% | 13.84% | Beats 57% | 36 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 49.14% | 71.97% | 83.15% | 92.22% | 5th pctl | 79 / 83 | |
| Loans / Assets | 41.80% | 57.96% | 69.15% | 77.64% | 6th pctl | 78 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |