F & M Bank Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	-	68.85	56.96	23.72	34.95	88.12
Investment Securities	350.51	119.22	153.53	224.34	246.66	229.57
Trading Asset Securities	-	0.06	0.06	0.08	0.19	0.12
Mortgage-Backed Securities	-	226.31	174.95	145.07	156.88	183.65
Total Investments	350.51	345.59	328.54	369.49	403.72	413.33
Gross Loans	896.87	886.81	840.69	822.76	744.17	662.42
Allowance for Loan Losses	-7.91	-7.82	-8.13	-8.32	-7.94	-7.75
Other Adjustments to Gross Loans	-	-0.56	-0.74	-0.67	-0.57	-
Net Loans	888.96	878.44	831.82	813.77	735.67	654.67
Property, Plant & Equipment	-	22.47	22.75	24.37	20.45	18
Goodwill	-	3.08	3.08	3.08	3.08	3.08
Loans Held for Sale	3.69	3.19	2.28	1.12	1.37	4.89
Accrued Interest Receivable	-	5.12	4.94	5.03	4	3.12
Other Current Assets	-	-	-	-	-	0.3
Long-Term Deferred Tax Assets	-	6.98	9.47	10.14	12.24	2.88
Other Real Estate Owned & Foreclosed	-	-	0.08	0.06	-	-
Other Long-Term Assets	165.8	39.12	41.18	40.12	30.42	30.95
Total Assets	1,409	1,374	1,302	1,295	1,246	1,219
Interest Bearing Deposits	984.72	798.41	803	737.08	632.38	625.9
Institutional Deposits	-	167.4	131.8	131.9	157.4	173.4
Non-Interest Bearing Deposits	290.34	279.4	260.3	264.25	293.6	280.99
Total Deposits	1,275	1,245	1,195	1,133	1,083	1,080
Short-Term Borrowings	-	-	-	60.02	70.09	0.26
Current Portion of Leases	-	0.11	-	-	-	-
Long-Term Debt	-	9.92	6.98	6.93	6.89	11.77
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	-	10
Long-Term Leases	-	0.77	0.59	0.73	0.89	0.96
Other Long-Term Liabilities	27.18	12.97	13.2	15.35	13.87	15.6
Total Liabilities	1,302	1,269	1,216	1,216	1,175	1,119
Common Stock	106.71	17.44	17.38	17.26	17.15	17.07
Additional Paid-In Capital	-	11.74	11.46	11.04	10.58	10.13
Retained Earnings	-	92.21	84.67	81.03	83.08	78.35
Comprehensive Income & Other	-	-16.6	-27.38	-31.02	-40.01	-5.09
Total Common Equity	106.71	104.79	86.14	78.32	70.79	100.46
Shareholders' Equity	106.71	104.79	86.14	78.32	70.79	100.46
Total Liabilities & Equity	1,409	1,374	1,302	1,295	1,246	1,219
Total Debt	-	10.79	7.56	67.69	77.87	22.99
Net Cash (Debt)	-	58.12	49.46	-43.89	-42.73	65.25
Net Cash Growth	-	17.52%	-	-	-	44.66%
Net Cash Per Share	-	16.36	14.08	-12.63	-12.39	18.96
Filing Date Shares Outstanding	3.56	3.56	3.53	3.48	3.46	3.42
Total Common Shares Outstanding	3.56	3.56	3.53	3.49	3.46	3.41
Book Value Per Share	29.98	29.46	24.43	22.47	20.48	29.42
Tangible Book Value	106.71	101.71	83.06	75.24	67.71	97.37
Tangible Book Value Per Share	29.98	28.59	23.56	21.59	19.59	28.52

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