Financial insights of FMBM

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$3,226K
EPS
$0.91
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-09-30	2025-06-30
Interest and fees on loans held for investment	14,243	14,130	13,971
Interest and fees on loans held for sale	25	3	20
Interest from federal funds sold	564	468	385
Interest and dividends on interest bearing deposits and other investments	23	59	58
Interest from debt securities	2,638	2,398	2,378
Total interest and dividend income	17,493	17,052	16,812
Total interest on deposits	5,871	6,399	6,168
Interest on short-term debt	0	0	1
Interest on long-term debt	193	158	116
Total interest expense	6,064	6,557	6,285
Net interest income	11,429	10,495	10,527
Provision for (recovery of) credit losses - loans	289	-	-
Provision for credit losses - unfunded commitments	20	595	1,082
(recovery of) provision for credit losses - unfunded commitments	-	-56	105
Total provision for credit losses	-	539	1,187
Total provision for (recovery of) credit losses	309	-	-
Net interest income after (recovery of) provision for credit losses	11,120	9,956	9,340
Service charges on deposit accounts	343	347	307
Wealth management income	658	498	560
Mortgage banking income	492	426	358
Title insurance income	493	520	584
Income on bank owned life insurance	212	160	215
Low income housing partnership amortization	-175	-196	-196
Atm and check card fees	775	884	875
Other operating income	99	95	89
Total noninterest income	2,897	2,734	2,792
Salaries	4,301	4,084	3,704
Employee benefits	1,517	939	923
Occupancy expense	395	362	387
Equipment expense	298	290	298
Fdic assessment	213	221	246
Legal and professional expense	753	547	527
Atm and check card fees	370	384	229
Data processing fees	948	914	855
Other operating expenses	1,518	1,580	1,543
Total noninterest expense	10,313	9,321	8,712
Income before income taxes	3,704	3,369	3,420
Income tax expense	478	445	455
Net income	3,226	2,924	2,965

Diluted EPS	0.91	0.82	0.84
Diluted Average Shares	3,560,093,000	3,558,868	3,564,133

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$3,226K
EPS
$0.91
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$3,226K
EPS
$0.91
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$3,226KEPS$0.91Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$3,226KEPS$0.91Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$3,226K
EPS
$0.91
Unit: Thousand (K) dollars

Net Income
$3,226K
EPS
$0.91
Unit: Thousand (K) dollars