BlastPoint's Banking Scorecard
F&M Bank
Designations: ✓ Minority Depository Institution
Edmond, OK
11 branches across OK
F&M Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.54% above tier average
- + Efficiency Ratio 8.74% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 47.5% in tier
- - Delinquency Rate 0.78% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$925.2M
+22.8% YoY
+14.3% QoQ
|
+$539.1M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Top 2.9% in tier |
| Total Loans ? |
$658.4M
+23.2% YoY
+10.7% QoQ
|
+$402.7M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Top 3.9% in tier |
| Total Deposits ? |
$789.5M
+20.6% YoY
+18.2% QoQ
|
+$461.5M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Top 2.9% in tier |
| Return on Assets ? |
1.19%
-32.5% YoY
-18.0% QoQ
|
-0.08% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
4.47%
+9.2% YoY
+4.4% QoQ
|
+0.54% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
56.55%
-0.1% YoY
-2.5% QoQ
|
-8.74% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
1.67%
+188.2% YoY
-10.8% QoQ
|
+0.78% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
83.40%
+2.2% YoY
-6.4% QoQ
|
+6.76% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
23.25%
-1.9% YoY
+4.5% QoQ
|
+1.23% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
1.19%
+189.0% YoY
-13.7% QoQ
|
+0.55% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
9.80%
-17.7% YoY
-21.0% QoQ
|
-6.03% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.1% in tier |
| Non-Interest Income / Assets ? |
0.12%
-10.9% YoY
-78.0% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.