Timberville, VA · Cert 8668 · F&M Bank Corp.
State charter, Fed member · FED · 16 branches
Q2 2026
Market Position · Harrisonburg, VA · 2026 SOD (annual) · 26.2% share · #1 of 15 inst. · $0.9B of $3.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.68% | 0.74% | 0.87% | 0.87% | 0.91% | 0.94% | 1.53% | +67 bps | |
| Return on Equity | 3.51% | 10.05% | 10.70% | 12.04% | 11.73% | 11.77% | 12.04% | 19.02% | +697 bps | |
| Net Interest Margin | 2.55% | 2.69% | 2.86% | 3.20% | 3.14% | 3.22% | 3.31% | 3.55% | +35 bps | |
| Efficiency Ratio | 85.66% | 68.53% | 76.29% | 65.48% | 69.57% | 66.65% | 70.82% | 49.40% | -1,608 bps | |
| Non-Interest Burden | 2.08% | 1.63% | 2.00% | 1.85% | 1.98% | 1.92% | 2.14% | 0.65% | -120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.84% | 0.57% | -0.27% | 0.17% | 1.05% | 5.56% | 7.39% | 6.53% | +636 bps | |
| Loan Growth (YoY) | 3.15% | 2.31% | 0.05% | 2.50% | 4.87% | 5.61% | 8.81% | 9.03% | +653 bps | |
| Deposit Growth (YoY) | 7.31% | 5.40% | 3.85% | 0.91% | 1.49% | 4.30% | 6.45% | 5.35% | +444 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.79% | 0.84% | 1.08% | 0.90% | 0.85% | 0.68% | 0.54% | 0.43% | -47 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.44% | 0.09% | 0.25% | 0.48% | 0.50% | 0.09% | 0.06% | -19 bps | |
| Allowance / Loans | 0.96% | 0.97% | 0.94% | 0.98% | 0.90% | 0.88% | 0.88% | 0.87% | -11 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.1x | 0.9x | 1.1x | 1.1x | 1.3x | 1.6x | 2.0x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.20% | 8.23% | 8.50% | 8.68% | 8.69% | 8.73% | 8.84% | 9.10% | +42 bps | |
| Total Risk-Based Capital | 13.23% | 13.39% | 13.50% | 13.73% | 13.70% | 14.04% | 14.10% | 14.43% | +70 bps | |
| Equity / Assets | 6.83% | 6.74% | 7.07% | 7.31% | 7.56% | 7.87% | 7.80% | 8.31% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.15% | 70.23% | 68.63% | 70.77% | 70.42% | 71.11% | 70.15% | 73.24% | +247 bps | |
| Liquid Assets / Assets | 0.04% | 0.01% | 0.02% | 0.03% | 0.04% | 0.05% | 0.05% | 0.08% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 251% | 247% | 242% | n/a | n/a | |