F & M Bank reported strong second-quarter 2025 earnings with a net interest margin of 3.48% and a 13.5% increase in tangible book value per share. The quarterly dividend was maintained at $0.26 per share. Net income rose 21% to $3.0 million, driven by improved net interest income and lower noninterest costs. Loan portfolio expanded, with total loans reaching $848.8 million. Asset quality metrics showed a slight uptick in credit stress. Management expects steady loan demand in the third quarter but did not provide specific guidance for revenue or profit. Investors should monitor asset quality, deposit trends, and core margin trends.

Overall, F & M Bank demonstrated continued growth in capital strength and margins while maintaining stable loan demand and a sustained dividend.

Read more at Nasdaq: F & M Bank (FMBM) Q2 Margin Jumps 28%