Baldwyn, MS · Cert 15801 · FMB Bancshares Inc.
State charter, Fed member · FED · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
14
Profitability
78
Liquidity
85
Efficiency
67
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.
Baldwyn, MS · Cert 15801 · FMB Bancshares Inc.
State charter, Fed member · FED · 11 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.37% | 2.22% | 2.19% | 2.14% | 1.62% | 1.77% | 1.78% | -41 bps | |
| Return on Equity | 14.24% | 11.68% | 18.77% | 17.89% | 16.97% | 12.60% | 13.30% | 13.33% | -456 bps | |
| Net Interest Margin | 4.00% | 4.04% | 3.97% | 4.07% | 4.33% | 4.44% | 4.30% | 4.29% | +22 bps | |
| Efficiency Ratio | 59.19% | 63.13% | 52.61% | 52.95% | 53.72% | 59.35% | 59.34% | 58.22% | +527 bps | |
| Non-Interest Burden | 1.93% | 2.15% | 1.21% | 1.36% | 1.59% | 2.02% | 2.14% | 2.06% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.77% | 5.79% | 2.39% | -1.76% | -0.56% | -1.12% | 1.36% | 7.14% | +891 bps | |
| Loan Growth (YoY) | 9.15% | 10.89% | 11.76% | 6.29% | 8.56% | 7.81% | 3.31% | 8.05% | +176 bps | |
| Deposit Growth (YoY) | 4.08% | 6.13% | 1.74% | 3.62% | 5.25% | 4.00% | 6.85% | 6.53% | +291 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.85% | 1.98% | 1.31% | 1.26% | 0.98% | 1.58% | 1.52% | 1.69% | +43 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.21% | 0.09% | 0.14% | 0.14% | 0.36% | 0.09% | 0.17% | +3 bps | |
| Allowance / Loans | 2.20% | 2.29% | 2.21% | 2.19% | 2.05% | 2.28% | 2.30% | 2.19% | -1 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.7x | 1.7x | 2.1x | 1.4x | 1.5x | 1.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.31% | 13.07% | 13.06% | 13.57% | 14.69% | 14.38% | 14.07% | 14.19% | +62 bps | |
| Total Risk-Based Capital | 13.31% | 13.07% | 13.06% | 13.57% | 14.69% | 14.38% | 14.07% | 14.19% | +62 bps | |
| Equity / Assets | 12.54% | 11.85% | 11.87% | 12.97% | 13.89% | 13.70% | 12.88% | 13.46% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.53% | 75.61% | 72.75% | 72.37% | 76.88% | 78.38% | 70.34% | 73.40% | +103 bps | |
| Liquid Assets / Assets | 5.84% | 6.11% | 5.05% | 3.35% | 2.36% | 1.46% | 9.84% | 7.93% | +458 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 157.15% | 166.68% | 161.55% | n/a | n/a | |
Baldwyn, MS · Cert 15801 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · FMB Bancshares Inc.
State charter, Fed member · FED · 11 branches
Q2 2026
Return on Assets
1.73%
Rank 103 of 746
Net Interest Margin
4.29%
Rank 149 of 746
Efficiency Ratio
58.26%
Rank 245 of 746
Equity / Assets
13.46%
Rank 164 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.73% | 0.72% | 1.06% | 1.45% | Beats 86% | 103 / 746 | ||
| Return on Equity | 12.89% | 6.74% | 10.51% | 13.63% | Beats 69% | 232 / 746 | ||
| Net Interest Margin | 4.29% | 3.17% | 3.68% | 4.16% | Beats 80% | 149 / 746 | ||
| Efficiency Ratio | 58.26% | 55.74% | 64.58% | 75.47% | Beats 67% | 245 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.69% | 0.09% | 0.42% | 1.07% | Beats 15% | 630 / 743 | ||
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.01% | 0.05% | Beats 13% | 650 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.19% | 11.55% | 13.75% | 17.60% | Beats 54% | 344 / 746 | ||
| Total Risk-Based Capital Ratio | 14.19% | 11.71% | 14.33% | 18.43% | Beats 49% | 384 / 746 | ||
| Equity / Assets | 13.46% | 8.90% | 10.51% | 13.06% | Beats 78% | 164 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.40% | 61.31% | 78.27% | 90.78% | 41st pctl | 441 / 746 | ||
| Loans / Assets | 62.42% | 53.60% | 66.97% | 76.08% | 40th pctl | 448 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||