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F&M Bank and Trust Company

Hannibal, MO · Cert 30595 · Farmers&Merchants Bcorp Inc.

State charter, Fed member · FED · 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 in MO3

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 in MO (n=82 to 83). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

24

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 and Trust Company

Hannibal, MO · Cert 30595 · Farmers&Merchants Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$182.4MAssets
$124.5MLoans
$164.3MDeposits
$17.1MEquity
Loan mix
84%RE $101.0M14%C&I $16.3M2%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $127.4M22%Noninterest $36.9MQ2 2025Q2 2026

NIM

4.15%Q2 ’244.35%Q2 ’254.67%Q2 ’26+15%+15%

Non-interest income vs. expense

2.20%Q2 ’242.34%Q2 ’252.59%Q2 ’26+5%+7%

Executive Summary

  • Earnings: ROA of 0.90%, up 21 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.85% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.20%, up 59 bps from a year ago.
  • Funding: loans stand at 75.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+42 bps YoY

Efficiency Ratio (YTD, annualized)

69.12%-361 bps YoY

Tier 1 Leverage Ratio

10.20%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.70%0.74%0.85%0.90%+21 bps
Return on Equity8.70%8.72%8.94%9.45%9.83%+113 bps
Net Interest Margin2.86%2.94%3.03%3.25%3.28%+42 bps
Efficiency Ratio72.73%71.74%71.54%70.11%69.12%-361 bps
Non-Interest Burden1.97%1.99%2.05%2.13%2.11%+14 bps
Growth
Asset Growth (YoY)3.36%3.44%3.42%0.99%-0.16%-352 bps
Loan Growth (YoY)3.59%4.44%5.71%6.47%7.94%+436 bps
Deposit Growth (YoY)2.09%2.56%1.77%-0.46%-1.44%-353 bps
Asset Quality
Nonperforming Loans / Loans0.94%0.92%0.92%0.88%0.85%-8 bps
Net Charge-Offs / Loans-0.09%-0.06%-0.04%0.00%0.00%+9 bps
Allowance / Loans1.15%1.13%1.13%1.10%1.07%-9 bps
Allowance Coverage of NPLs1.2x1.2x1.2x1.3x1.2x0.0x
Capital
Tier 1 Leverage Ratio9.61%9.76%10.07%10.13%10.20%+59 bps
Total Risk-Based Capital16.50%16.48%16.89%16.72%16.47%-4 bps
Equity / Assets8.26%8.54%9.11%8.92%9.39%+113 bps
Liquidity & Funding
Loans / Deposits69.18%69.59%71.36%70.72%75.76%+659 bps
Liquid Assets / Assets7.19%7.80%6.68%9.08%4.32%-287 bps
CRE / Total Capitaln/a264%248%248%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 and Trust Company

Hannibal, MO · Cert 30595 · Peer group: banks under $1B in assets in MO (n=82-83) · Farmers&Merchants Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$182.4MAssets
$124.5MLoans
$164.3MDeposits
$17.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MO (rank 12 of 82).
  • Widest gap: net interest margin trails 80% of banks under $1B in assets in MO (rank 66 of 83).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.91%

Rank 66 of 83

Net Interest Margin

3.28%

Rank 66 of 83

Efficiency Ratio

69.12%

Rank 64 of 83

Equity / Assets

9.39%

Rank 54 of 83

Non-interest income vs. expense

$0.9M$4.9MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 24% of banks under $1B in assets in MO
Bank 69.12%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.96%1.32%1.75%Beats 20%66 / 83
Return on Equity9.66%9.66%12.96%15.76%Beats 24%63 / 83
Net Interest Margin3.28%3.35%3.85%4.16%Beats 20%66 / 83
Efficiency Ratio69.12%49.83%58.83%68.51%Beats 24%64 / 83
Asset Quality
Nonperforming Loans / Loans0.85%0.08%0.51%1.01%Beats 34%55 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%12 / 82
Capital
Tier 1 Capital Ratio15.38%11.01%12.49%14.98%Beats 78%18 / 83
Total Risk-Based Capital Ratio16.47%11.13%13.01%15.10%Beats 81%16 / 83
Equity / Assets9.39%8.83%10.71%13.29%Beats 35%54 / 83
Liquidity & Funding
Loans / Deposits75.76%69.28%83.22%91.21%35th pctl53 / 82
Loans / Assets68.27%59.34%71.15%78.36%41st pctl49 / 83
Brokered Deposits / Depositsn/aNot reported for this institution