F & M Bank Balance Sheet Health
Financial Health criteria checks 6/6
F & M Bank has total assets of $1.3B and total equity of $77.7M. Total deposits are $1.2B, and total loans are $817.5M. It earns a Net Interest Margin of 2.7%. It has sufficient allowance for bad loans, which are currently at 0.8% of total loans. Cash and short-term investments are $52.5M.
Key information
16.9x
Asset to equity ratio
2.7%
Net interest margin
Total deposits | US$1.16b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.8% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$52.49m |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FMBM's Assets to Equity ratio (16.9x) is moderate.
Allowance for Bad Loans: FMBM has a sufficient allowance for bad loans (135%).
Low Risk Liabilities: 93% of FMBM's liabilities are made up of primarily low risk sources of funding.
Loan Level: FMBM has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: FMBM's Loans to Deposits ratio (71%) is appropriate.
Level of Bad Loans: FMBM has an appropriate level of bad loans (0.8%).