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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.42% | 1.64% | 1.75% | 1.74% | 1.63% | 1.73% | 1.85% | +10 bps | |
| Return on Equity | 16.84% | 16.01% | 17.41% | 18.32% | 17.87% | 16.44% | 16.08% | 16.92% | -140 bps | |
| Net Interest Margin | 3.84% | 3.85% | 4.13% | 4.18% | 4.14% | 4.08% | 4.23% | 4.20% | +2 bps | |
| Efficiency Ratio | 53.95% | 52.69% | 50.86% | 49.37% | 49.64% | 49.80% | 49.34% | 48.10% | -127 bps | |
| Non-Interest Burden | 1.89% | 1.85% | 1.90% | 1.86% | 1.85% | 1.83% | 1.87% | 1.79% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.28% | 10.71% | 10.45% | 1.92% | 8.29% | 9.93% | 6.92% | 5.40% | +348 bps | |
| Loan Growth (YoY) | 17.95% | 17.48% | 15.28% | 13.59% | 11.67% | 9.25% | 7.21% | 4.65% | -894 bps | |
| Deposit Growth (YoY) | 15.23% | 11.96% | 13.87% | 4.69% | 6.55% | 9.33% | 6.93% | 4.48% | -21 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.00% | 0.00% | 0.16% | 1.05% | 1.04% | 1.04% | +104 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.04% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.46% | 1.49% | 1.50% | 1.52% | 1.54% | 1.53% | 1.57% | 1.59% | +7 bps | |
| Allowance Coverage of NPLs | 65.9x | 71.0x | n/a | n/a | 9.7x | 1.5x | 1.5x | 1.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 10.79% | 11.05% | 11.19% | 11.39% | 11.46% | 11.93% | 12.16% | +97 bps | |
| Total Risk-Based Capital | 13.77% | 13.66% | 13.79% | 14.03% | 14.42% | 11.46% | 11.93% | 12.16% | -187 bps | |
| Equity / Assets | 9.39% | 9.28% | 9.55% | 9.79% | 10.31% | 10.59% | 10.88% | 11.28% | +149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.17% | 94.64% | 94.50% | 94.25% | 94.50% | 94.57% | 94.75% | 94.41% | +16 bps | |
| Liquid Assets / Assets | 0.10% | 0.07% | 0.06% | 0.13% | 0.09% | 0.06% | 0.04% | 0.18% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 467% | 470% | 448% | n/a | n/a | |