REGULATORY CAPITAL MATTERS (Details) - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
Total risk-based ratio
Bank actual capital amount	$ 124,664	$ 120,892
Bank actual capital ratio	13.73%	13.39%
Minimum capital requirement amount	$ 72,624	$ 72,223
Minimum capital requirement ratio	8.00%	8.00%
Minimum to be well capitalized under prompt corrective action provisions amount	$ 90,780	$ 90,279
Minimum to be well capitalized under prompt corrective action provisions ratio	10.00%	10.00%
Tier 1 risk-based ratio
Bank actual capital amount	$ 115,522	$ 112,114
Bank actual capital ratio	12.73%	12.42%
Minimum capital requirement amount	$ 54,468	$ 54,168
Minimum capital requirement ratio	6.00%	6.00%
Minimum to be well capitalized under prompt corrective action provisions amount	$ 72,624	$ 72,223
Minimum to be well capitalized under prompt corrective action provisions ratio	8.00%	8.00%
Common equity tier 1
Bank actual capital amount	$ 115,522	$ 112,114
Bank actual capital ratio	12.73%	12.42%
Minimum capital requirement amount	$ 40,851	$ 40,626
Minimum capital requirement ratio	4.50%	4.50%
Minimum to be well capitalized under prompt corrective action provisions amount	$ 59,007	$ 58,682
Minimum to be well capitalized under prompt corrective action provisions ratio	6.50%	6.50%
Tier 1 leverage ratio
Bank actual capital amount	$ 115,522	$ 112,114
Bank actual capital ratio	8.89%	8.23%
Minimum capital requirement amount	$ 51,975	$ 54,472
Minimum capital requirement ratio	4.00%	4.00%
Minimum to be well capitalized under prompt corrective action provisions amount	$ 64,969	$ 68,090
Minimum to be well capitalized under prompt corrective action provisions ratio	5.00%	5.00%

F&M BANK CORP 10-Q