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BDI
F&

Farmers & Merchants Bank

Granite Quarry, North CarolinaFDIC Cert #2036

STATEEstablished 190912 branches

Holding company: F&M FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$848M$760M
Q3 2021$900M$811M
Q4 2021$946M$854M
Q1 2022$971M$879M
Q2 2022$1B$907M
Q3 2022$1B$906M
Q4 2022$959M$858M
Q1 2023$979M$872M
Q2 2023$951M$841M
Q3 2023$962M$850M
Q4 2023$917M$796M
Q1 2024$920M$796M
Q2 2024$895M$768M
Q3 2024$899M$764M
Q4 2024$894M$757M
Q1 2025$926M$783M
Q2 2025$931M$790M
Q3 2025$947M$799M
Q4 2025$966M$814M
Q1 2026$986M$831M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$986M
+6.5%y/y
Percentile by value99th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$831M
+6.2%y/y
Percentile by value97th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Gross loans
$526M
+0.4%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$516M
+0.4%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Securities
$293M
+29.6%y/y
Percentile by value97th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICSC
Cash
$136M
−5.2%y/y
Percentile by value96th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICCHBAL
Liabilities
$839M
+5.6%y/y
Percentile by value95th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLIAB
Equity
$146M
+11.8%y/y
Peer standing99th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$14.5M
+9.7%y/y
Peer standing98th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NONII
NII
$11.6M
+5.1%y/y
Peer standing99th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM
Noninterest income
$2.87M
+32.9%y/y
Peer standing96th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII
Provision
−$200K
−60.0%y/y
Percentile by value2nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICELNATR
Pretax income
$7.7M
+21.6%y/y
Peer standing99th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC
Net income
$6.04M
+21.5%y/y
Peer standing99th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC