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F&M Bank

West Point, NE · Cert 14922 · R Dean Phillips Bk Tr Dated 11-19-2004

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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

43

Q2 2024Q2 2026peer median

Efficiency

61

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

F&M Bank

West Point, NE · Cert 14922 · R Dean Phillips Bk Tr Dated 11-19-2004

State charter, non-member · FDIC · 6 affiliate banks · 6 branches (43 in holding)

Q2 2026

$354.6MAssets
$296.5MLoans
$311.6MDeposits
$41.3MEquity
Loan mix
90%RE $176.9M9%C&I $18.4M1%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $222.3M29%Noninterest $89.3MQ2 2025Q2 2026

NIM

5.33%Q2 ’245.61%Q2 ’255.59%Q2 ’26+8%0%

Non-interest income vs. expense

2.93%Q2 ’243.01%Q2 ’253.03%Q2 ’26+5%-3%

Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 2.4% share · #12 of 28 inst. · $0.1B of $4.6B

15.5% Cuming
33.0% Dakota
8.2% Wayne
0.7% Sarpy

Executive Summary

  • Earnings: ROA of 1.46%, up 4 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.07% of loans (-26 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.76%, up 2 bps from a year ago.
  • Funding: loans stand at 95.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.46%+4 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-2 bps YoY

Efficiency Ratio (YTD, annualized)

60.18%-38 bps YoY

Tier 1 Leverage Ratio

11.76%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.33%1.31%1.24%1.46%+4 bps
Return on Equity12.80%11.71%11.86%11.85%13.46%+66 bps
Net Interest Margin4.02%4.13%3.94%3.87%4.00%-2 bps
Efficiency Ratio60.56%63.06%63.47%63.88%60.18%-38 bps
Non-Interest Burden2.06%2.24%2.16%2.12%1.99%-6 bps
Growth
Asset Growth (YoY)1.75%-1.77%6.20%4.48%4.65%+289 bps
Loan Growth (YoY)2.75%6.15%4.45%2.93%5.72%+297 bps
Deposit Growth (YoY)1.58%-2.67%5.65%4.39%4.92%+334 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.13%0.11%0.19%0.07%-26 bps
Net Charge-Offs / Loans0.02%0.01%0.09%0.01%0.01%-1 bps
Allowance / Loans1.30%1.33%1.21%1.25%1.27%-3 bps
Allowance Coverage of NPLs3.9x10.2x11.4x6.5x17.2x+13.3x
Capital
Tier 1 Leverage Ratio11.74%12.35%10.70%11.10%11.76%+2 bps
Total Risk-Based Capital11.74%12.35%10.70%11.10%11.76%+2 bps
Equity / Assets11.84%12.18%10.07%10.93%11.65%-19 bps
Liquidity & Funding
Loans / Deposits94.44%96.17%89.36%93.02%95.16%+72 bps
Liquid Assets / Assets5.64%5.86%12.94%9.64%5.43%-21 bps
CRE / Total Capitaln/a199.68%225%210%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

F&M Bank

West Point, NE · Cert 14922 · Peer group: banks under $1B in assets operating regionally (n=94) · R Dean Phillips Bk Tr Dated 11-19-2004

State charter, non-member · FDIC · 6 affiliate banks · 6 branches (43 in holding)

Q2 2026

$354.6MAssets
$296.5MLoans
$311.6MDeposits
$41.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets operating regionally (rank 15 of 94).
  • Widest gap: total risk-based capital ratio trails 56% of banks under $1B in assets operating regionally (rank 53 of 94).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.50%

Rank 21 of 94

Net Interest Margin

4.00%

Rank 33 of 94

Efficiency Ratio

60.18%

Rank 38 of 94

Equity / Assets

11.65%

Rank 19 of 94

Non-interest income vs. expense

$3.7M$10.7MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 61% of banks under $1B in assets operating regionally
Bank 60.18%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.50%0.82%1.19%1.46%Beats 78%21 / 94
Return on Equity12.90%7.85%11.84%14.03%Beats 65%33 / 94
Net Interest Margin4.00%3.42%3.81%4.18%Beats 65%33 / 94
Efficiency Ratio60.18%55.99%62.41%73.02%Beats 61%38 / 94
Asset Quality
Nonperforming Loans / Loans0.07%0.19%0.47%1.14%Beats 85%15 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 73%26 / 94
Capital
Tier 1 Capital Ratio11.76%10.28%11.95%15.07%Beats 47%50 / 94
Total Risk-Based Capital Ratio11.76%10.31%12.59%15.88%Beats 44%53 / 94
Equity / Assets11.65%8.98%10.21%11.41%Beats 80%19 / 94
Liquidity & Funding
Loans / Deposits95.16%72.62%84.44%94.55%76th pctl23 / 94
Loans / Assets83.61%62.50%72.84%78.99%85th pctl14 / 94
Brokered Deposits / Depositsn/aNot reported for this institution