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FM Bank and Trust

Blytheville, AR · Cert 1027 · Farmers Bcorp Inc.

State charter, Fed member · FED · 16 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.2BDeposits
$107.8MEquity
Loan mix
83%RE $809.1M14%C&I $135.7M3%Consumer $31.5MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $1.0B15%Noninterest $0.2BQ2 2025Q2 2026

NIM

6.47%Q2 ’245.92%Q2 ’256.11%Q2 ’26-9%+11%

Non-interest income vs. expense

1.83%Q2 ’241.86%Q2 ’252.12%Q2 ’26+9%+16%

Market Position · Cape Girardeau, MO-IL · 2026 SOD (annual) · 5.1% share · #10 of 17 inst. · $0.2B of $3.7B

57.5% Mississippi
14.2% Butler
5.5% Cape Girardeau
17.1% Dunklin

Executive Summary

  • Earnings: ROA of 1.57%, up 23 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.52% of loans (-173 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 8.62%, down 14 bps from a year ago.
  • Funding: loans stand at 93.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.57%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+40 bps YoY

Efficiency Ratio (quarter, annualized)

48.57%+134 bps YoY

Tier 1 Leverage Ratio

8.62%-14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.45%1.70%2.06%1.57%+23 bps
Return on Equity17.70%19.35%22.37%25.06%19.31%+161 bps
Net Interest Margin3.55%4.14%4.15%3.93%3.95%+40 bps
Efficiency Ratio47.23%43.80%47.28%48.67%48.57%+134 bps
Non-Interest Burden1.47%1.61%1.74%1.73%1.71%+23 bps
Growth
Asset Growth (YoY)37.39%34.67%36.45%129.29%141.89%+10,451 bps
Loan Growth (YoY)40.40%36.44%35.05%149.01%140.76%+10,036 bps
Deposit Growth (YoY)37.07%31.22%36.60%124.25%136.21%+9,913 bps
Asset Quality
Nonperforming Loans / Loans2.25%1.80%1.55%0.76%0.52%-173 bps
Net Charge-Offs / Loans0.72%0.81%1.50%0.04%0.12%-60 bps
Allowance / Loans1.50%1.44%1.24%1.52%1.52%+2 bps
Allowance Coverage of NPLs0.7x0.8x0.8x2.0x2.9x+2.3x
Capital
Tier 1 Leverage Ratio8.76%8.46%8.64%8.96%8.62%-14 bps
Total Risk-Based Capital11.93%11.29%12.33%12.24%11.67%-26 bps
Equity / Assets7.69%7.30%7.89%8.36%7.90%+21 bps
Liquidity & Funding
Loans / Deposits91.51%95.02%87.05%92.76%93.27%+176 bps
Liquid Assets / Assets6.28%5.52%5.32%5.77%7.32%+103 bps
CRE / Total Capitaln/a277%268%272%n/an/a