Call report 2025Q4
F&M BANK AND TRUST COMPANY — 2025Q4
The 22 measures F&M BANK AND TRUST COMPANY reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 182,112,000 | USD | evidence → |
| Total loans | 117,471,000 | USD | evidence → |
| Allowance for loan losses | 1,326,000 | USD | evidence → |
| Securities available for sale | 42,711,000 | USD | evidence → |
| Securities held to maturity | 5,182,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 164,622,000 | USD | evidence → |
| Interest-bearing deposits | 129,294,000 | USD | evidence → |
| Noninterest-bearing deposits | 35,328,000 | USD | evidence → |
| Equity capital | 16,588,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 8,485,000 | USD | evidence → |
| Interest expense | 2,839,000 | USD | evidence → |
| Net interest income | 5,646,000 | USD | evidence → |
| Noninterest income | 724,000 | USD | evidence → |
| Noninterest expense | 4,557,000 | USD | evidence → |
| Provision for loan losses | 0 | USD | evidence → |
| Pretax income | 1,800,000 | USD | evidence → |
| Income tax | 452,000 | USD | evidence → |
| Net income | 1,348,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 18,779,000 | USD | evidence → |
| Total capital | 20,130,000 | USD | evidence → |
| Risk-weighted assets | 119,183,000 | USD | evidence → |