F&M Bank
Clarksville, TN · Cert 9963 · Peer group: banks $1B-$10B in assets (n=284-290)
FDIC · 20 branches
Q4 2025
$1.5BAssets
$1.2BLoans
$1.4BDeposits
$157.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of banks $1B-$10B in assets (rank 57 of 284).
- Widest gap: efficiency ratio trails 86% of banks $1B-$10B in assets (rank 251 of 290).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.81%
Rank 220 of 290
Net Interest Margin
3.38%
Rank 116 of 290
Efficiency Ratio
73.15%
Rank 251 of 290
Equity / Assets
10.14%
Rank 151 of 290
Non-interest income vs. expense
Unfavorable gap of $35.3M · efficiency ratio beats 14% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.82% | 1.09% | 1.41% | Beats 24% | 220 / 290 | | |
| Return on Equity | 8.00% | 8.04% | 10.59% | 13.08% | Beats 24% | 220 / 290 | | |
| Net Interest Margin | 3.38% | 2.87% | 3.28% | 3.78% | Beats 60% | 116 / 290 | | |
| Efficiency Ratio | 73.15% | 53.76% | 60.51% | 67.14% | Beats 14% | 251 / 290 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.22% | 0.49% | 0.91% | Beats 80% | 57 / 284 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 11.52% | 13.11% | 15.22% | Beats 36% | 187 / 290 | | |
| Total Risk-Based Capital Ratio | 12.96% | 12.41% | 14.01% | 16.12% | Beats 32% | 197 / 290 | | |
| Equity / Assets | 10.14% | 8.94% | 10.29% | 11.70% | Beats 48% | 151 / 290 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.29% | 75.78% | 87.64% | 95.53% | 41st pctl | 167 / 284 | | |
| Loans / Assets | 74.35% | 64.43% | 74.03% | 79.86% | 51st pctl | 139 / 284 | | |
| Brokered Deposits / Deposits | 1.46% | n/a | 2.01% | 8.63% | Beats 53% | 135 / 285 | | |