Miamisburg, OH · Cert 9462 · F&M Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 1.7% share · #10 of 26 inst. · $0.3B of $16.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.85% | 1.72% | 1.31% | 1.73% | 1.97% | +12 bps | |
| Return on Equity | 19.17% | 17.14% | 12.58% | 16.08% | 17.79% | -138 bps | |
| Net Interest Margin | 4.35% | 4.23% | 4.20% | 4.23% | 4.26% | -9 bps | |
| Efficiency Ratio | 47.99% | 50.17% | 50.27% | 49.34% | 46.89% | -110 bps | |
| Non-Interest Burden | 1.86% | 1.91% | 1.89% | 1.87% | 1.76% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.92% | 8.29% | 9.93% | 6.92% | 5.40% | +348 bps | |
| Loan Growth (YoY) | 13.59% | 11.67% | 9.25% | 7.21% | 4.65% | -894 bps | |
| Deposit Growth (YoY) | 4.69% | 6.55% | 9.33% | 6.93% | 4.48% | -21 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.16% | 1.05% | 1.04% | 1.04% | +104 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.14% | 0.01% | 0.01% | +2 bps | |
| Allowance / Loans | 1.52% | 1.54% | 1.53% | 1.57% | 1.59% | +7 bps | |
| Allowance Coverage of NPLs | n/a | 9.7x | 1.5x | 1.5x | 1.5x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.19% | 11.39% | 11.46% | 11.93% | 12.16% | +97 bps | |
| Total Risk-Based Capital | 14.03% | 14.42% | 11.46% | 11.93% | 12.16% | -187 bps | |
| Equity / Assets | 9.79% | 10.31% | 10.59% | 10.88% | 11.28% | +149 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.25% | 94.50% | 94.57% | 94.75% | 94.41% | +16 bps | |
| Liquid Assets / Assets | 0.13% | 0.09% | 0.06% | 0.04% | 0.18% | +5 bps | |
| CRE / Total Capital | n/a | 467% | 470% | 448% | n/a | n/a | |