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F & M Community Bank, National Association

$100M-$1B Specialty: Agricultural MN FDIC cert 10967

Preston, MN

3 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +2.8% year over year ($184.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.06%.
  • Efficiency ratio 71.05% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.72% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

F & M Community Bank, National Association has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 15.0% in tier
  • - Flatlined Growth: Bottom 48.4% in tier
  • - ROA 0.26% below tier average
  • - Net Interest Margin 0.17% below tier average
  • - Efficiency Ratio 6.57% above tier average
Get updates when F & M Community Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $211.1M
+1.0% YoY +0.6% QoQ
-$175.5M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
29%
Total Loans ? $148.9M
+1.5% YoY -0.7% QoQ
-$109.5M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $184.4M
+2.8% YoY +2.6% QoQ
-$142.3M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 1.06%
+25.3% YoY +21.3% QoQ
-0.26% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 3.82%
+10.3% YoY +1.7% QoQ
-0.17% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
43%
Efficiency Ratio ? 71.05%
-5.6% YoY -0.0% QoQ
+6.57% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
28%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 80.72%
-1.3% YoY -3.1% QoQ
+2.77% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
48%
Non-Interest-Bearing Deposit Share ? 21.23%
-6.6% YoY -9.3% QoQ
-0.80% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
51%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 9.93%
+2.3% YoY -0.0% QoQ
-5.98% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Bottom 9.6% in tier
Non-Interest Income / Assets ? 0.41%
+17.4% YoY +112.7% QoQ
-0.16% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Top 14.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 21.2%
-1.5pp YoY
-2.2pp QoQ
 -0.9pp 22.1% 21.9% 22.2% 51%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 8.3% 8.5% 4%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 5.3%
-0.7pp YoY
-0.2pp QoQ
 -6.3pp 11.6% 14.6% 12.5% 21%
CRE 32.2%
+2.1pp YoY
-0.2pp QoQ
 -7.4pp 39.5% 36.5% 41.4% 38%
1-4 Family 36.6%
+1.0pp YoY
+1.1pp QoQ
 +4.0pp 32.6% 29.4% 31.3% 64%
Consumer 1.3%
-0.6pp YoY
-0.1pp QoQ
 -2.8pp 4.1% 4.5% 5.0% 36%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 9.9%
+0.2pp YoY
0.0pp QoQ
 -2.2pp 12.2% 11.0% 12.6% 29%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 39
+2 (+5.4%) YoY
0 QoQ
 -20 58 55 482 40%
Assets per Employee ($) $5.4M
-4.2% YoY
+0.6% QoQ
 -$2.1M $7.5M $8.6M $8.8M 21%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 20.41x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.2% 0.2% 39%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 13.1%
+1.3pp YoY
+2.2pp QoQ
 +0.9pp 12.2% 13.1% 11.6% 56%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 32%
Net Income ($, YTD) $1.1M
+27.1% YoY
— QoQ
 -$1.4M $2.6M $4.5M $40.4M 30%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#100 of 661 • Bottom 15.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.93%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#257 of 529 • Bottom 48.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.06%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
378
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.57%
#378 of 2643 Top 14.3% in $100M-$1B

Top Weaknesses (1 metrics)

2389
Tier 1 Capital Ratio
capital
Value: 9.93%
Peer Median: 15.91%
#2389 of 2643 Bottom 9.6% in $100M-$1B
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