BlastPoint's Banking Scorecard
F&M Bank
Community
Specialty: Commercial
OK
FDIC cert 12761
Edmond, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
F&M Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 48% in Community
- - Margin Compression: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$809.5M
+4.9% YoY
+6.8% QoQ
|
-$581.9M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$595.0M
+7.0% YoY
+4.4% QoQ
|
-$380.5M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$667.8M
+4.1% YoY
+7.2% QoQ
|
-$496.8M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.45%
-6.6% YoY
-13.0% QoQ
|
+0.29% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
4.28%
+11.2% YoY
+0.4% QoQ
|
+0.62% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
58.02%
-2.8% YoY
+2.5% QoQ
|
-4.61% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
1.87%
+197.5% YoY
-8.6% QoQ
|
+1.24% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
89.10%
+2.8% YoY
-2.6% QoQ
|
+6.04% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
22.24%
-5.6% YoY
-10.6% QoQ
|
+1.19% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
1.37%
+203.6% YoY
-10.6% QoQ
|
+0.87% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.54%
-11.4% YoY
+23.3% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#208 of 432 · Bottom 48% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Margin Compression
decline
#59 of 120 · Bottom 49% in Community
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:
1.45%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
71
71th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.16%
64
64th pctile
Efficiency Ratio
Current: 58.02% · Tier avg: 62.63%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.24% · Tier avg: 21.05%
54
54th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
40
40th pctile
Total Loans
Current: $595.0M · Tier avg: $975.5M
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.10% · Tier avg: 83.06%
36
36th pctile
Total Assets
Current: $809.5M · Tier avg: $1.4B
35
35th pctile
Total Deposits
Current: $667.8M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.37% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.87% · Tier avg: 0.63%
Top Weaknesses
11
11th pctile
Delinquency Rate
Current: 1.87% · Tier avg: 0.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.37% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Total Deposits
Current: $667.8M · Tier avg: $1.2B
36
36th pctile
Total Assets
Current: $809.5M · Tier avg: $1.4B
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.10% · Tier avg: 83.06%
40
40th pctile
Total Loans
Current: $595.0M · Tier avg: $975.5M
54
54th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.24% · Tier avg: 21.05%
64
64th pctile
Efficiency Ratio
Current: 58.02% · Tier avg: 62.63%
71
71th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.16%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%