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 58 of 284).
- Widest gap: efficiency ratio trails 87% of banks $1B-$10B in assets (rank 252 of 290).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.81%
Rank 222 of 290
Net Interest Margin
3.38%
Rank 117 of 290
Efficiency Ratio
73.15%
Rank 252 of 290
Equity / Assets
10.14%
Rank 150 of 290
Non-interest income vs. expense
Unfavorable gap of $35.3M · efficiency ratio beats 13% 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 23% | 222 / 290 | | |
| Return on Equity | 8.00% | 8.13% | 10.66% | 13.08% | Beats 23% | 222 / 290 | | |
| Net Interest Margin | 3.38% | 2.88% | 3.29% | 3.78% | Beats 60% | 117 / 290 | | |
| Efficiency Ratio | 73.15% | 53.68% | 60.39% | 67.05% | Beats 13% | 252 / 290 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.22% | 0.49% | 0.91% | Beats 80% | 58 / 284 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 11.51% | 13.02% | 15.09% | Beats 36% | 185 / 290 | | |
| Total Risk-Based Capital Ratio | 12.96% | 12.39% | 13.96% | 16.08% | Beats 33% | 195 / 290 | | |
| Equity / Assets | 10.14% | 8.94% | 10.29% | 11.70% | Beats 48% | 150 / 290 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.29% | 75.96% | 87.95% | 95.87% | 40th pctl | 169 / 284 | | |
| Loans / Assets | 74.35% | 65.27% | 74.16% | 79.94% | 50th pctl | 141 / 284 | | |
| Brokered Deposits / Deposits | 1.46% | n/a | 2.14% | 8.99% | Beats 54% | 133 / 285 | | |