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Farmers and Mechanics Federal Savings Bank

Bloomfield, IN · Cert 28478

SI · FDIC · 3 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 in a single state3

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 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.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

2

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

Farmers and Mechanics Federal Savings Bank

Bloomfield, IN · Cert 28478

SI · FDIC · 3 branches

Q2 2026

$113.6MAssets
$64.8MLoans
$105.8MDeposits
$5.4MEquity
Loan mix
90%RE $59.5M8%C&I $5.5M1%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $96.2M9%Noninterest $9.6MQ2 2025Q2 2026

NIM

4.03%Q2 ’244.28%Q2 ’254.44%Q2 ’26+35%+10%

Non-interest income vs. expense

2.76%Q2 ’242.98%Q2 ’253.37%Q2 ’26+9%+9%

Market Position · Bloomington, IN · 2026 SOD (annual) · 0.5% share · #13 of 14 inst. · $0.0B of $3.8B

19.0% Greene
0.5% Monroe

Executive Summary

  • Earnings: ROA of -0.25%, up 4 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.00% of loans (-148 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 6.79%, up 12 bps from a year ago.
  • Funding: loans stand at 61.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.25%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.72%+26 bps YoY

Efficiency Ratio (YTD, annualized)

108.04%-175 bps YoY

Tier 1 Leverage Ratio

6.79%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.29%-0.26%-0.26%-0.19%-0.25%+4 bps
Return on Equity-7.47%-6.44%-6.24%-4.08%-5.38%+209 bps
Net Interest Margin2.46%2.60%2.63%2.68%2.72%+26 bps
Efficiency Ratio109.79%104.27%104.13%105.98%108.04%-175 bps
Non-Interest Burden2.73%2.72%2.75%2.87%2.97%+24 bps
Growth
Asset Growth (YoY)-6.62%-6.06%-3.11%-2.73%-3.12%+350 bps
Loan Growth (YoY)6.43%11.07%4.34%0.70%-4.09%-1,052 bps
Deposit Growth (YoY)-1.52%-3.82%0.92%-0.74%-0.16%+136 bps
Asset Quality
Nonperforming Loans / Loans1.48%1.40%1.33%1.39%0.00%-148 bps
Net Charge-Offs / Loans0.00%0.15%0.13%0.00%0.23%+23 bps
Allowance / Loans0.39%0.42%0.48%0.52%0.41%+2 bps
Allowance Coverage of NPLs0.3x0.3x0.4x0.4xn/an/a
Capital
Tier 1 Leverage Ratio6.66%6.66%6.66%6.78%6.79%+12 bps
Total Risk-Based Capital11.41%11.31%11.03%11.64%12.17%+76 bps
Equity / Assets4.20%4.51%4.75%4.51%4.74%+54 bps
Liquidity & Funding
Loans / Deposits63.80%67.01%62.40%60.73%61.29%-251 bps
Liquid Assets / Assets6.86%4.41%6.08%8.54%7.60%+74 bps
CRE / Total Capitaln/a168.40%194.69%195.07%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 and Mechanics Federal Savings Bank

Bloomfield, IN · Cert 28478 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 3 branches

Q2 2026

$113.6MAssets
$64.8MLoans
$105.8MDeposits
$5.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: equity / assets trails 99% of banks under $1B in assets operating in a single state (rank 739 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-0.26%

Rank 726 of 746

Net Interest Margin

2.72%

Rank 677 of 746

Efficiency Ratio

108.04%

Rank 730 of 746

Equity / Assets

4.74%

Rank 739 of 746

Non-interest income vs. expense

$0.5M$3.9MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state
Bank 108.04%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.26%0.72%1.06%1.45%Beats 3%726 / 746
Return on Equity-5.39%6.74%10.51%13.63%Beats 2%733 / 746
Net Interest Margin2.72%3.17%3.68%4.16%Beats 9%677 / 746
Efficiency Ratio108.04%55.74%64.58%75.47%Beats 2%730 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.12%0.00%0.01%0.05%Beats 13%645 / 743
Capital
Tier 1 Capital Ratio11.76%11.55%13.75%17.60%Beats 29%531 / 746
Total Risk-Based Capital Ratio12.17%11.71%14.33%18.43%Beats 29%527 / 746
Equity / Assets4.74%8.90%10.51%13.06%Beats 1%739 / 746
Liquidity & Funding
Loans / Deposits61.29%61.31%78.27%90.78%25th pctl561 / 746
Loans / Assets57.07%53.60%66.97%76.08%31st pctl516 / 746
Brokered Deposits / Depositsn/aNot reported for this institution