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 | 89,178,000 | 87,395,000 |
| Total loans | 58,100,000 | 62,205,000 |
| Allowance for loan losses | 721,000 | 736,000 |
| Securities available for sale | 4,890,000 | 4,713,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 79,076,000 | 77,238,000 |
| Interest-bearing deposits | 52,779,000 | 53,178,000 |
| Noninterest-bearing deposits | 26,297,000 | 24,060,000 |
| Equity capital | 7,617,000 | 7,790,000 |
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 | 1,330,000 | 2,627,000 |
| Interest expense | 277,000 | 520,000 |
| Net interest income | 1,053,000 | 2,107,000 |
| Noninterest income | 155,000 | 314,000 |
| Noninterest expense | 996,000 | 2,001,000 |
| Provision for loan losses | 15,000 | 30,000 |
| Pretax income | 197,000 | 390,000 |
| Income tax | 0 | 0 |
| Net income | 197,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 8,823,000 | 9,015,000 |
| Total capital | 9,560,000 | 9,767,000 |
| Risk-weighted assets | 67,417,000 | 76,094,000 |