Call reports 2026
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2026
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 209,906,000 | 211,091,000 |
| Total loans | 151,753,000 | 150,785,000 |
| Allowance for loan losses | 1,883,000 | 1,891,000 |
| Securities available for sale | 35,298,000 | 34,871,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 179,838,000 | 184,449,000 |
| Interest-bearing deposits | 137,744,000 | 145,290,000 |
| Noninterest-bearing deposits | 42,094,000 | 39,159,000 |
| Equity capital | 17,119,000 | 17,310,000 |
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 | 2,472,000 | 5,025,000 |
| Interest expense | 682,000 | 1,378,000 |
| Net interest income | 1,790,000 | 3,647,000 |
| Noninterest income | 402,000 | 860,000 |
| Noninterest expense | 1,558,000 | 3,202,000 |
| Provision for loan losses | 23,000 | 35,000 |
| Pretax income | 611,000 | 1,270,000 |
| Income tax | 148,000 | 148,000 |
| Net income | 463,000 | 1,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 21,078,000 | 21,287,000 |