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Farmers and Merchants Bank of Mound City, Kansas

Mound City, KS · Cert 14024 · Cunningham Agency Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Kansas City, MO-KS area3

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 in the Kansas City, MO-KS area (n=39 to 40). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

32

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 Bank of Mound City, Kansas

Mound City, KS · Cert 14024 · Cunningham Agency Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$65.0MAssets
$36.7MLoans
$60.0MDeposits
$4.1MEquity
Loan mix
77%RE $26.9M13%C&I $4.6M9%Consumer $3.3MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $46.1M23%Noninterest $13.9MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #89 of 114 inst. · $0.1B of $99.1B

Executive Summary

  • Earnings: ROA of 0.99%, up 11 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.12% of loans (-70 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 6.06%, down 14 bps from a year ago.
  • Funding: loans stand at 61.15% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.99%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-24 bps YoY

Efficiency Ratio (YTD, annualized)

66.35%-391 bps YoY

Tier 1 Leverage Ratio

6.06%-14 bps YoY

NIM

5.17%Q2 ’245.33%Q2 ’254.99%Q2 ’26+2%-7%

Non-interest income vs. expense

2.59%Q2 ’242.56%Q2 ’252.28%Q2 ’26-1%-13%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.80%0.89%0.88%0.90%0.85%0.92%0.99%+11 bps
Return on Equity13.28%12.93%14.02%14.06%14.31%13.30%14.18%15.42%+135 bps
Net Interest Margin3.57%3.52%3.54%3.51%3.54%3.53%3.41%3.28%-24 bps
Efficiency Ratio72.18%73.09%70.11%70.26%69.61%71.67%68.57%66.35%-391 bps
Non-Interest Burden2.53%2.52%2.44%2.43%2.42%2.49%2.30%2.12%-31 bps
Growth
Asset Growth (YoY)1.97%2.43%3.58%9.94%9.11%1.10%8.92%5.81%-413 bps
Loan Growth (YoY)1.91%5.37%3.52%3.93%2.45%-0.79%-2.75%-4.73%-866 bps
Deposit Growth (YoY)2.83%1.97%3.37%10.27%10.05%1.31%9.77%6.16%-412 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.75%0.82%0.60%0.05%0.70%0.12%-70 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%0.06%0.00%0.00%0 bps
Allowance / Loans1.20%1.18%1.20%1.17%1.18%1.14%1.17%1.17%0 bps
Allowance Coverage of NPLs19.6x25.1x1.6x1.4x2.0x22.6x1.7x9.8x+8.3x
Capital
Tier 1 Leverage Ratio6.47%6.43%6.25%6.20%6.33%6.41%6.26%6.06%-14 bps
Total Risk-Based Capital13.21%12.82%13.40%13.35%13.40%13.96%14.35%14.88%+153 bps
Equity / Assets6.51%6.33%6.41%6.06%6.34%6.73%6.29%6.23%+17 bps
Liquidity & Funding
Loans / Deposits74.38%73.08%71.90%68.14%69.25%71.56%63.70%61.15%-699 bps
Liquid Assets / Assets17.51%18.44%23.54%27.09%25.79%26.11%33.92%30.21%+312 bps
CRE / Total Capitaln/an/an/an/a118.54%120.32%119.49%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 Bank of Mound City, Kansas

Mound City, KS · Cert 14024 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Cunningham Agency Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$65.0MAssets
$36.7MLoans
$60.0MDeposits
$4.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 15 of 39).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets in the Kansas City, MO-KS area (rank 36 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.94%

Rank 33 of 40

Net Interest Margin

3.28%

Rank 33 of 40

Efficiency Ratio

66.35%

Rank 28 of 40

Equity / Assets

6.23%

Rank 36 of 40

Non-interest income vs. expense

$0.1M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 32% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 66.35%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.94%1.02%1.39%1.86%Beats 18%33 / 40
Return on Equity15.03%10.74%14.78%21.32%Beats 55%18 / 40
Net Interest Margin3.28%3.33%4.05%4.63%Beats 18%33 / 40
Efficiency Ratio66.35%51.70%58.10%69.29%Beats 32%28 / 40
Asset Quality
Nonperforming Loans / Loans0.12%0.05%0.20%1.11%Beats 69%13 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio13.63%11.32%12.27%16.94%Beats 65%14 / 40
Total Risk-Based Capital Ratio14.88%11.32%13.09%17.63%Beats 68%13 / 40
Equity / Assets6.23%8.41%10.10%12.34%Beats 10%36 / 40
Liquidity & Funding
Loans / Deposits61.15%73.50%85.60%94.85%15th pctl34 / 40
Loans / Assets56.43%62.75%69.87%79.23%15th pctl34 / 40
Brokered Deposits / Depositsn/aNot reported for this institution