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 $90.0M. Total deposits are $1.2B, and total loans are $822.7M. 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 $60.4M.
Key information
14.9x
Asset to equity ratio
2.7%
Net interest margin
| Total deposits | US$1.22b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.8% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$60.37m |
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 (14.9x) is moderate.
Allowance for Bad Loans: FMBM has a sufficient allowance for bad loans (122%).
Low Risk Liabilities: 97% 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 (61%).
Low Risk Deposits: FMBM's Loans to Deposits ratio (68%) is appropriate.
Level of Bad Loans: FMBM has an appropriate level of bad loans (0.8%).