Call reports 2026
F&M BANK AND TRUST COMPANY — 2026
What F&M BANK AND TRUST COMPANY reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 187,866,000 | 182,362,000 |
| Total loans | 120,289,000 | 124,497,000 |
| Allowance for loan losses | 1,326,000 | 1,327,000 |
| Securities available for sale | 41,513,000 | 41,289,000 |
| Securities held to maturity | 5,183,000 | 5,184,000 |
| Trading assets | 0 | 0 |
| Total deposits | 170,081,000 | 164,325,000 |
| Interest-bearing deposits | 130,713,000 | 127,395,000 |
| Noninterest-bearing deposits | 39,368,000 | 36,930,000 |
| Equity capital | 16,763,000 | 17,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 2,182,000 | 4,406,000 |
| Interest expense | 658,000 | 1,321,000 |
| Net interest income | 1,524,000 | 3,085,000 |
| Noninterest income | 229,000 | 448,000 |
| Noninterest expense | 1,229,000 | 2,442,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 524,000 | 1,090,000 |
| Income tax | 130,000 | 263,000 |
| Net income | 394,000 | 827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 18,992,000 | 19,200,000 |
| Total capital | 20,343,000 | 20,559,000 |
| Risk-weighted assets | 121,680,000 | 124,855,000 |