$526M
+0.4%y/y
Percentile by value83rd percentileby value
FDIC
LNLSGRF&
Farmers & Merchants Bank
Granite Quarry, North CarolinaFDIC Cert #2036
STATEEstablished 190912 branches
Holding company: F&M FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $61.8M |
| Investor CRE | $160M |
| Multifamily | $9.84M |
| Construction | $152M |
| 1–4 family | $127M |
| C&I | $14.3M |
| Agriculture | $412K |
| Other | $2.24M |
Loan book
Reported balances and balance-sheet intensity.
$516M
+0.4%y/y
Percentile by value83rd percentileby value
FDIC
LNLSNET+0.45%
+115.7%y/y
Percentile by value22nd percentileby value
FDIC
LNLSNET62.1%
−5.4%y/y
Percentile by value17th percentileby value
FDIC
LNLSNET + DEP52.4%
−5.6%y/y
Percentile by value14th percentileby value
FDIC
LNLSNET + ASSET102.01%
+0.8%y/y
Percentile by value97th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
207%
−9.2%y/y
Percentile by value64th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC98%
−4.4%y/y
Percentile by value90th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,503points
+2.3%y/y
Peer standing29th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD11.74%
−14.9%y/y
Percentile by value46th percentileby value
FDIC
LNRENROW + LNLSGR30.30%
−3.7%y/y
Percentile by value90th percentileby value
FDIC
LNRENROT + LNLSGR2.71%
−4.0%y/y
Percentile by value6th percentileby value
FDIC
LNCI + LNLSGR