F & M Bank Corp. (FMBM)

F & M Bank Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	83.94	56.96	23.72	34.95	88.12	78.41
Investment Securities	126.62	153.53	224.34	246.66	229.57	44.13
Trading Asset Securities	0.08	0.06	0.08	0.19	0.12	0.82
Mortgage-Backed Securities	203.03	174.95	145.07	156.88	183.65	73.77
Total Investments	329.73	328.54	369.49	403.72	413.33	118.72
Gross Loans	872.88	840.69	822.76	744.17	662.42	661.33
Allowance for Loan Losses	-7.85	-8.13	-8.32	-7.94	-7.75	-10.48
Other Adjustments to Gross Loans	-0.57	-0.74	-0.67	-0.57	-	-
Net Loans	864.46	831.82	813.77	735.67	654.67	650.85
Property, Plant & Equipment	22.44	22.75	24.37	20.45	18	18.75
Goodwill	3.08	3.08	3.08	3.08	3.08	2.88
Loans Held for Sale	1.29	2.28	1.12	1.37	4.89	58.68
Accrued Interest Receivable	4.93	4.94	5.03	4	3.12	2.73
Other Current Assets	-	0.36	-	-	0.3	0.52
Long-Term Deferred Tax Assets	6.86	9.47	10.14	12.24	2.88	2.8
Other Real Estate Owned & Foreclosed	-	0.08	0.06	-	-	-
Other Long-Term Assets	40.47	40.82	40.12	30.42	30.95	32.59
Total Assets	1,358	1,302	1,295	1,246	1,219	966.93
Interest Bearing Deposits	954.4	803	737.08	632.38	625.9	402.45
Institutional Deposits	-	131.8	131.9	157.4	173.4	179.22
Non-Interest Bearing Deposits	280.94	260.3	264.25	293.6	280.99	236.92
Total Deposits	1,235	1,195	1,133	1,083	1,080	818.58
Short-Term Borrowings	-	-	60.02	70.09	0.26	0.06
Current Portion of Long-Term Debt	-	-	-	-	-	0.19
Current Portion of Leases	0.03	0.11	-	-	-	-
Long-Term Debt	7	6.98	6.93	6.89	11.77	11.74
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	10	21.27
Long-Term Leases	0.87	0.48	0.73	0.89	0.96	0.86
Other Long-Term Liabilities	13.37	13.2	15.35	13.87	15.6	18.6
Total Liabilities	1,257	1,216	1,216	1,175	1,119	871.3
Preferred Stock, Convertible	-	-	-	-	-	4.56
Common Stock	17.45	17.38	17.26	17.15	17.07	16.02
Additional Paid-In Capital	11.66	11.46	11.04	10.58	10.13	6.87
Retained Earnings	90.24	84.67	81.03	83.08	78.35	71.21
Comprehensive Income & Other	-17.86	-27.38	-31.02	-40.01	-5.09	-3.02
Total Common Equity	101.49	86.14	78.32	70.79	100.46	91.07
Shareholders' Equity	101.49	86.14	78.32	70.79	100.46	95.63
Total Liabilities & Equity	1,358	1,302	1,295	1,246	1,219	966.93
Total Debt	7.9	7.56	67.69	77.87	22.99	34.12
Net Cash (Debt)	76.12	49.46	-43.89	-42.73	65.25	45.11
Net Cash Growth	101.49%	-	-	-	44.66%	283.61%
Net Cash Per Share	21.48	14.08	-12.63	-12.39	18.96	13.15
Filing Date Shares Outstanding	3.56	3.53	3.48	3.46	3.42	3.2
Total Common Shares Outstanding	3.56	3.53	3.49	3.46	3.41	3.2
Book Value Per Share	28.52	24.43	22.47	20.48	29.42	28.43
Tangible Book Value	98.41	83.06	75.24	67.71	97.37	88.19
Tangible Book Value Per Share	27.65	23.56	21.59	19.59	28.52	27.53

Source: S&P Global Market Intelligence. Banks template. Financial Sources.