BlastPoint's Banking Scorecard
F&M Bank
Washington, GA
5 branches across GA
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 96 in GA.
- Deposits +5.9% year over year ($356.8M on the books).
- Delinquency rate 0.39%.
- Return on assets 1.40%.
- Efficiency ratio 61.02% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.25% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
F&M Bank shows strong momentum with 4 strengths and 6.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 0.85% above tier average
- + Efficiency Ratio 3.46% below tier average
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$419.9M
+6.4% YoY
-1.0% QoQ
|
+$33.3M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$275.6M
+8.8% YoY
+1.9% QoQ
|
+$17.3M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$356.8M
+5.9% YoY
-1.5% QoQ
|
+$30.1M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
1.40%
-2.7% YoY
-2.0% QoQ
|
+0.08% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
4.84%
+0.2% YoY
+1.0% QoQ
|
+0.85% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 11.2% in tier |
| Efficiency Ratio ? |
61.02%
+0.7% YoY
+1.8% QoQ
|
-3.46% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.39%
-19.5% YoY
+447.1% QoQ
|
-0.53% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
77.25%
+2.7% YoY
+3.4% QoQ
|
-0.70% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
24.51%
-11.0% YoY
-3.5% QoQ
|
+2.48% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.26%
-16.8% YoY
+438.0% QoQ
|
-0.41% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
14.93%
+1.8% YoY
+3.7% QoQ
|
-0.98% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.21%
-17.9% YoY
+92.7% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.5%
-3.0pp YoY -0.9pp QoQ |
+2.4pp | 22.1% | 26.2% | 22.2% | 64% |
| Brokered Deposits |
1.4%
0.0pp QoQ |
-6.4pp | 7.9% | 7.5% | 8.5% | 24% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.2%
-0.4pp YoY -0.3pp QoQ |
-4.4pp | 11.6% | 9.7% | 12.5% | 34% |
| CRE |
48.3%
+4.3pp YoY +2.9pp QoQ |
+8.8pp | 39.5% | 48.9% | 41.4% | 68% |
| 1-4 Family |
32.8%
-1.3pp YoY -1.7pp QoQ |
+0.1pp | 32.6% | 31.7% | 31.3% | 57% |
| Consumer |
3.3%
-0.8pp YoY 0.0pp QoQ |
-0.9pp | 4.1% | 4.8% | 5.0% | 63% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
14.9%
+0.3pp YoY +0.5pp QoQ |
+2.8pp | 12.2% | 14.0% | 12.6% | 86% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
73
+5 (+7.4%) YoY 0 QoQ |
+14 | 58 | 98 | 482 | 73% |
| Assets per Employee ($) |
$5.8M
-0.9% YoY -1.0% QoQ |
-$1.8M | $7.5M | $7.5M | $8.8M | 28% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 6 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.1pp YoY +0.3pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 46% |
| Allowance Coverage |
5.00x
+33.1% YoY -81.7% QoQ |
-19.15x | 24.15x | 38.10x | 20.23x | 70% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.0%
-1.1pp YoY -0.3pp QoQ |
-1.2pp | 12.2% | 13.6% | 11.6% | 43% |
| Cost of Funds (YTD) |
1.6%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 46% |
| Net Income ($, YTD) |
$3.0M
+3.6% YoY — QoQ |
+$400K | $2.6M | $6.6M | $40.4M | 69% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.