F&M Bank Q2 net income $3.0M ($0.84/sh), up 21% QoQ; TBV up 9.1% YTD

F&M BANK CORP

2025-Q2 EPS reported $1.53

Net income $3.0M ($0.84/sh) for Q2 2025 vs $2.5M ($0.70/sh) in Q1; six-month net $5.4M vs $4.2M YoY.
Net interest margin rose 33 bps to 3.48%; loan growth $21.8M (2.63%) in Q2 driven by farmland and residential mortgages.
Tangible book value per share $25.68, up 9.1% or $2.15 YTD.
Quarterly dividend declared $0.26/sh, payable Aug 29 to holders of record Aug 14; 4.3% annualized yield.
Provision for credit losses $1.2M vs net recovery of $104K in Q1; nonperforming loans 0.90% of total loans.

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