BlastPoint's Banking Scorecard

F&M Bank

$100M-$1B Specialty: Commercial OK FDIC cert 12761

Designations: ✓ Minority Depository Institution

Edmond, OK

11 branches across OK

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 106 in OK.
Deposits +22.4% year over year ($799.0M on the books).
Delinquency rate 0.36%.
Return on assets 1.24%.
Efficiency ratio 56.13% vs a 64.48% peer average.
Loan-to-deposit ratio 81.11% 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 106 in OK

View $100M-$1B leaderboard (OK) →

F&M Bank has 3 strengths but faces 1 concern

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

+ Net Interest Margin 0.47% above tier average
+ Efficiency Ratio 8.35% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 48.9% in tier

Get updates when F&M Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$915.3M +20.6% YoY -1.1% QoQ	+$528.7M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Top 3.1% in tier
Total Loans ?	$648.0M +16.3% YoY -1.6% QoQ	+$389.7M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	Top 4.0% in tier
Total Deposits ?	$799.0M +22.4% YoY +1.2% QoQ	+$472.3M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Top 2.3% in tier
Return on Assets ?	1.24% -32.5% YoY +4.2% QoQ	-0.08%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	50%
Net Interest Margin ?	4.45% +5.2% YoY -0.4% QoQ	+0.47%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	56.13% +1.4% YoY -0.7% QoQ	-8.35%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	0.36% -21.1% YoY -78.3% QoQ	-0.56%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	81.11% -5.0% YoY -2.7% QoQ	+3.15%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	21.96% -6.7% YoY -5.6% QoQ	-0.07%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.26% -24.0% YoY -78.4% QoQ	-0.41%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	55%
Tier 1 Capital Ratio ?	10.00% -18.5% YoY +2.0% QoQ	-5.91%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Bottom 10.6% in tier
Non-Interest Income / Assets ?	0.24% -14.2% YoY +103.5% QoQ	-0.32%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	62%

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 (OK)	National Avg	Tier Percentile
Noninterest-Bearing	22.0% -1.6pp YoY -1.3pp QoQ	-0.2pp	22.1%	23.9%	22.2%	54%
Brokered Deposits	n/a	n/a	7.9%	9.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	17.0% -5.2pp YoY -3.0pp QoQ	+5.4pp	11.6%	15.7%	12.5%	82%
CRE	36.6% -0.1pp YoY +2.4pp QoQ	-2.9pp	39.5%	42.0%	41.4%	46%
1-4 Family	14.1% -0.7pp YoY +0.3pp QoQ	-18.5pp	32.6%	24.0%	31.3%	18%
Consumer	1.3% 0.0pp YoY -0.1pp QoQ	-2.9pp	4.1%	5.6%	5.0%	35%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.0%	19.7%	n/a
Leverage Ratio	10.0% -2.3pp YoY +0.2pp QoQ	-2.2pp	12.2%	11.7%	12.6%	31%
Total Capital Ratio	n/a	n/a	19.9%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	126 +14 (+12.5%) YoY +1 (+0.8%) QoQ	+67	58	150	482	94%
Assets per Employee ($)	$7.3M +7.2% YoY -1.9% QoQ	-$254K	$7.5M	$6.5M	$8.8M	57%
Branch Count	11 +2 (+22.2%) YoY 0 QoQ	+6	4	8	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% +0.3pp YoY +0.3pp QoQ	0.0pp	0.3%	0.9%	0.4%	76%
Nonaccrual	0.0% -0.4pp YoY -1.6pp QoQ	-0.9pp	0.9%	1.5%	1.0%	9%
Allowance Coverage	3.15x +14.3% YoY +196.2% QoQ	-21.01x	24.15x	61.99x	20.23x	60%
Net Charge-off Rate (YTD)	1.9% +1.9pp YoY +1.9pp QoQ	+1.7pp	0.1%	0.2%	0.2%	99%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	11.6% -4.7pp YoY +0.6pp QoQ	-0.6pp	12.2%	11.9%	11.6%	47%
Cost of Funds (YTD)	1.8% +0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	60%
Net Income ($, YTD)	$5.5M -21.7% YoY — QoQ	+$2.9M	$2.6M	$8.7M	$40.4M	90%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Margin Compression

decline

#151 of 307 • Bottom 48.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.24%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Total Deposits

size

Value: $799.00M

Peer Median: $326.73M

#61 of 2643 Top 2.3% in $100M-$1B

Total Assets

size

Value: $915.29M

Peer Median: $386.57M

#84 of 2643 Top 3.1% in $100M-$1B

107

Total Loans

size

Value: $648.04M

Peer Median: $258.35M

#107 of 2643 Top 4.0% in $100M-$1B

587

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.99%

#587 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (1 metrics)

2363

Tier 1 Capital Ratio

capital

Value: 10.00%

Peer Median: 15.91%

#2363 of 2643 Bottom 10.6% in $100M-$1B