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BDI
F&

Farmers & Merchants Bank

Timberville, VirginiaFDIC Cert #8668

STATEEstablished 190815 branches

Holding company: F&M BANK CORPRegulator: FED

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$1.1B$967M
Q3 2021$1.17B$1.04B
Q4 2021$1.22B$1.09B
Q1 2022$1.24B$1.12B
Q2 2022$1.23B$1.11B
Q3 2022$1.24B$1.13B
Q4 2022$1.25B$1.09B
Q1 2023$1.25B$1.11B
Q2 2023$1.28B$1.14B
Q3 2023$1.28B$1.14B
Q4 2023$1.29B$1.14B
Q1 2024$1.31B$1.16B
Q2 2024$1.31B$1.19B
Q3 2024$1.34B$1.22B
Q4 2024$1.3B$1.2B
Q1 2025$1.31B$1.21B
Q2 2025$1.31B$1.2B
Q3 2025$1.36B$1.24B
Q4 2025$1.37B$1.25B
Q1 2026$1.41B$1.28B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$1.41B
+7.4%y/y
Percentile by value42nd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICASSET
Deposits
$1.28B
+6.4%y/y
Percentile by value50th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICDEP
Gross loans
$901M
+8.8%y/y
Percentile by value32nd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSGR
Net loans
$893M
+8.9%y/y
Percentile by value33rd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
Securities
$351M
+9.1%y/y
Percentile by value70th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICSC
Cash
$20M
−13.5%y/y
Percentile by value6th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICCHBAL
Liabilities
$1.3B
+6.5%y/y
Percentile by value45th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLIAB
Equity
$110M
+18.4%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$14M
+16.4%y/y
Peer standing38th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM + NONII
NII
$11.6M
+21.6%y/y
Peer standing35th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM
Noninterest income
$2.4M
−3.5%y/y
Peer standing57th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONII
Provision
$309K
+397.1%y/y
Percentile by value49th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICELNATR
Pretax income
$3.78M
+27.8%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICPTAXNETINC
Net income
$3.28M
+36.0%y/y
Peer standing24th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC