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Farmers Bank of Green City

Green City, MO · Cert 16103

FDIC · 3 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, 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 MO (n=87 to 88). 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

15

Q2 2024Q3 2025peer median (50)

Asset Quality

38

Q2 2024Q3 2025peer median (50)

Profitability

13

Q2 2024Q3 2025peer median (50)

Liquidity

56

Q2 2024Q3 2025peer median

Efficiency

5

Q2 2024Q3 2025peer 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 Bank of Green City

Green City, MO · Cert 16103

FDIC · 3 branches

Q3 2025

$78.6MAssets
$50.3MLoans
$72.9MDeposits
$5.0MEquity
Loan mix
84%RE $37.8M8%C&I $3.6M8%Consumer $3.6MQ3 2024Q3 2025
Deposit mix
82%Interest-bearing $59.6M18%Noninterest $13.3MQ3 2024Q3 2025

NIM

4.48%Q3 ’234.92%Q3 ’245.43%Q3 ’25-14%+30%

Non-interest income vs. expense

2.80%Q3 ’232.96%Q3 ’243.24%Q3 ’25+4%+9%

Executive Summary

  • Earnings: ROA of 0.26%, up 42 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.79% of loans (-2 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 7.78%, up 18 bps from a year ago.
  • Funding: loans stand at 69.01% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.26%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+73 bps YoY

Efficiency Ratio (YTD, annualized)

91.65%-1,561 bps YoY

Tier 1 Leverage Ratio

7.78%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets-0.16%-0.14%-0.02%0.13%0.26%+42 bps
Return on Equity-2.76%-2.48%-0.37%2.22%4.48%+724 bps
Net Interest Margin2.43%2.54%2.82%2.96%3.15%+73 bps
Efficiency Ratio107.26%107.53%102.46%96.30%91.65%-1,561 bps
Non-Interest Burden2.63%2.75%2.89%2.84%2.86%+23 bps
Growth
Asset Growth (YoY)-1.60%-2.60%0.70%0.28%3.83%+543 bps
Loan Growth (YoY)-2.30%1.08%-0.28%7.08%6.02%+832 bps
Deposit Growth (YoY)-2.01%-3.47%0.65%-0.09%3.90%+591 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.73%0.82%0.83%0.79%-2 bps
Net Charge-Offs / Loans-0.06%-0.07%-0.08%-0.05%-0.03%+3 bps
Allowance / Loans1.33%1.32%1.33%1.30%1.31%-2 bps
Allowance Coverage of NPLs1.7x1.8x1.6x1.6x1.7x0.0x
Capital
Tier 1 Leverage Ratio7.60%7.78%7.65%7.64%7.78%+18 bps
Total Risk-Based Capital12.42%12.37%12.28%11.99%11.68%-73 bps
Equity / Assets6.17%5.60%5.65%5.93%6.31%+14 bps
Liquidity & Funding
Loans / Deposits67.62%69.88%68.10%70.43%69.01%+138 bps
Liquid Assets / Assets3.59%4.00%5.85%4.91%6.93%+334 bps
CRE / Total Capitaln/an/an/an/a229%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 Bank of Green City

Green City, MO · Cert 16103 · Peer group: banks under $1B in assets in MO (n=87-88)

FDIC · 3 branches

Q3 2025

$78.6MAssets
$50.3MLoans
$72.9MDeposits
$5.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 38% of banks under $1B in assets in MO (rank 55 of 87).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets in MO (rank 86 of 88).
  • Overall: at or above the peer median on 0 of 10 directional measures.

Return on Assets

0.26%

Rank 84 of 88

Net Interest Margin

3.15%

Rank 64 of 88

Efficiency Ratio

91.65%

Rank 85 of 88

Equity / Assets

6.31%

Rank 86 of 88

Non-interest income vs. expense

$0.3M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 5% of banks under $1B in assets in MO
Bank 91.65%Peer median 59.8%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.26%0.82%1.17%1.53%Beats 5%84 / 88
Return on Equity4.11%8.01%11.73%15.41%Beats 6%82 / 87
Net Interest Margin3.15%3.08%3.66%4.01%Beats 27%64 / 88
Efficiency Ratio91.65%52.34%59.82%68.21%Beats 5%85 / 88
Asset Quality
Nonperforming Loans / Loans0.79%0.11%0.47%1.43%Beats 38%55 / 87
Net Charge-Offs / Loans0.06%0.01%0.03%0.09%Beats 37%56 / 87
Capital
Tier 1 Capital Ratio10.56%11.25%12.74%14.70%Beats 15%75 / 88
Total Risk-Based Capital Ratio11.68%11.44%13.26%15.49%Beats 28%63 / 88
Equity / Assets6.31%8.71%10.45%13.30%Beats 2%86 / 88
Liquidity & Funding
Loans / Deposits69.01%68.81%78.22%90.36%26th pctl64 / 87
Loans / Assets63.97%59.65%68.82%77.84%36th pctl56 / 87
Brokered Deposits / Deposits1.56%n/an/a1.43%Beats 23%68 / 87