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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

$65.0MAssets
$36.7MLoans
$60.0MDeposits
$4.1MEquity
Loan mix
77%RE $26.9M13%C&I $4.6M9%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $46.1M23%Noninterest $13.9MQ2 2025Q2 2026

NIM

5.27%Q2 ’245.46%Q2 ’255.14%Q2 ’26+1%-6%

Non-interest income vs. expense

2.60%Q2 ’242.61%Q2 ’252.27%Q2 ’26+1%-15%

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 1.04%, up 17 bps year over year; NIM at 3.36%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.04%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.36%-21 bps YoY

Efficiency Ratio (quarter, annualized)

64.25%-616 bps YoY

Tier 1 Leverage Ratio

6.06%-14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.92%0.66%0.92%1.04%+17 bps
Return on Equity14.12%14.84%10.18%14.18%16.69%+257 bps
Net Interest Margin3.56%3.58%3.53%3.41%3.36%-21 bps
Efficiency Ratio70.41%68.33%77.82%68.57%64.25%-616 bps
Non-Interest Burden2.47%2.41%2.71%2.30%2.09%-37 bps
Growth
Asset Growth (YoY)9.94%9.11%1.10%8.92%5.81%-413 bps
Loan Growth (YoY)3.93%2.45%-0.79%-2.75%-4.73%-866 bps
Deposit Growth (YoY)10.27%10.05%1.31%9.77%6.16%-412 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.60%0.05%0.70%0.12%-70 bps
Net Charge-Offs / Loans0.00%0.00%0.23%0.00%0.00%0 bps
Allowance / Loans1.17%1.18%1.14%1.17%1.17%0 bps
Allowance Coverage of NPLs1.4x2.0x22.6x1.7x9.8x+8.3x
Capital
Tier 1 Leverage Ratio6.20%6.33%6.41%6.26%6.06%-14 bps
Total Risk-Based Capital13.35%13.40%13.96%14.35%14.88%+153 bps
Equity / Assets6.06%6.34%6.73%6.29%6.23%+17 bps
Liquidity & Funding
Loans / Deposits68.14%69.25%71.56%63.70%61.15%-699 bps
Liquid Assets / Assets27.09%25.79%26.11%33.92%30.21%+312 bps
CRE / Total Capitaln/a118.54%120.32%119.49%n/an/a