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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