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Farmers and Merchants State Bank, Bloomfield, Nebraska

Bloomfield, NE · Cert 13662 · Lauritzen Investments Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

66

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers and Merchants State Bank, Bloomfield, Nebraska

Bloomfield, NE · Cert 13662 · Lauritzen Investments Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$232.9MAssets
$131.8MLoans
$209.7MDeposits
$21.7MEquity
Loan mix
82%RE $54.5M13%C&I $8.5M6%Consumer $3.7MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $175.7M16%Noninterest $33.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.62%, down 7 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.07% of loans (-71 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.45%, down 23 bps from a year ago.
  • Funding: loans stand at 62.86% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.62%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.47%-18 bps YoY

Efficiency Ratio (YTD, annualized)

46.84%+33 bps YoY

Tier 1 Leverage Ratio

9.45%-23 bps YoY

NIM

5.04%Q2 ’245.32%Q2 ’255.01%Q2 ’26+1%-5%

Non-interest income vs. expense

1.99%Q2 ’241.82%Q2 ’251.74%Q2 ’26-9%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.58%1.58%1.69%1.72%1.70%1.45%1.62%-7 bps
Return on Equity12.69%12.91%16.46%17.55%17.96%17.81%15.58%17.33%-22 bps
Net Interest Margin3.84%3.99%3.62%3.64%3.76%3.81%3.51%3.47%-18 bps
Efficiency Ratio49.35%50.38%49.14%46.52%46.42%46.61%50.34%46.84%+33 bps
Non-Interest Burden1.76%1.88%1.62%1.55%1.61%1.65%1.61%1.49%-6 bps
Growth
Asset Growth (YoY)-3.00%0.45%6.07%4.24%13.27%13.73%9.49%9.24%+500 bps
Loan Growth (YoY)2.84%3.39%2.33%3.43%3.52%4.24%0.64%-3.94%-737 bps
Deposit Growth (YoY)2.60%6.35%11.38%8.98%11.38%8.85%9.74%9.77%+79 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.05%0.09%0.78%0.07%0.05%0.05%0.07%-71 bps
Net Charge-Offs / Loans0.04%0.03%-0.01%0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.15%1.14%1.19%1.17%1.15%1.12%1.21%1.24%+7 bps
Allowance Coverage of NPLs4.8x23.8x13.3x1.5x16.5x24.4x24.8x17.6x+16.1x
Capital
Tier 1 Leverage Ratio9.18%9.94%9.62%9.68%9.18%9.60%9.63%9.45%-23 bps
Total Risk-Based Capital15.05%14.85%16.01%16.90%15.94%15.79%16.81%18.26%+136 bps
Equity / Assets10.00%9.70%9.54%9.65%9.40%9.31%9.32%9.34%-31 bps
Liquidity & Funding
Loans / Deposits83.03%81.45%72.91%71.83%77.17%78.00%66.86%62.86%-897 bps
Liquid Assets / Assets0.30%2.38%7.09%4.80%0.18%0.12%9.54%5.43%+63 bps
CRE / Total Capitaln/an/an/an/a60.21%59.23%58.01%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers and Merchants State Bank, Bloomfield, Nebraska

Bloomfield, NE · Cert 13662 · Peer group: banks under $1B in assets operating regionally (n=94) · Lauritzen Investments Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$232.9MAssets
$131.8MLoans
$209.7MDeposits
$21.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets operating regionally (rank 7 of 94).
  • Widest gap: net interest margin trails 73% of banks under $1B in assets operating regionally (rank 69 of 94).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.57%

Rank 13 of 94

Net Interest Margin

3.47%

Rank 69 of 94

Efficiency Ratio

46.84%

Rank 7 of 94

Equity / Assets

9.34%

Rank 67 of 94

Non-interest income vs. expense

$0.6M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 94% of banks under $1B in assets operating regionally
Bank 46.84%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.57%0.82%1.19%1.46%Beats 86%13 / 94
Return on Equity16.77%7.85%11.84%14.03%Beats 90%9 / 94
Net Interest Margin3.47%3.42%3.81%4.18%Beats 27%69 / 94
Efficiency Ratio46.84%55.99%62.41%73.02%Beats 94%7 / 94
Asset Quality
Nonperforming Loans / Loans0.07%0.19%0.47%1.14%Beats 86%14 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 77%24 / 94
Capital
Tier 1 Capital Ratio17.01%10.28%11.95%15.07%Beats 84%15 / 94
Total Risk-Based Capital Ratio18.26%10.31%12.59%15.88%Beats 86%13 / 94
Equity / Assets9.34%8.98%10.21%11.41%Beats 29%67 / 94
Liquidity & Funding
Loans / Deposits62.86%72.62%84.44%94.55%11th pctl84 / 94
Loans / Assets56.60%62.50%72.84%78.99%12th pctl83 / 94
Brokered Deposits / Depositsn/aNot reported for this institution