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Letter portraitLegal landscapeQuarterYTD

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 $2.9MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $127.4M22%Noninterest $36.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.59%0.67%0.69%0.70%0.74%0.85%0.90%+21 bps
Return on Equity7.49%8.13%8.73%8.70%8.72%8.94%9.45%9.83%+113 bps
Net Interest Margin2.56%2.62%2.88%2.86%2.94%3.03%3.25%3.28%+42 bps
Efficiency Ratio77.72%76.26%73.21%72.73%71.74%71.54%70.11%69.12%-361 bps
Non-Interest Burden1.91%1.89%2.00%1.97%1.99%2.05%2.13%2.11%+14 bps
Growth
Asset Growth (YoY)2.19%-2.27%1.49%3.36%3.44%3.42%0.99%-0.16%-352 bps
Loan Growth (YoY)-0.51%-3.59%-2.11%3.59%4.44%5.71%6.47%7.94%+436 bps
Deposit Growth (YoY)2.19%-3.18%0.72%2.09%2.56%1.77%-0.46%-1.44%-353 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.49%0.00%0.94%0.92%0.92%0.88%0.85%-8 bps
Net Charge-Offs / Loans0.09%0.13%0.05%-0.09%-0.06%-0.04%0.00%0.00%+9 bps
Allowance / Loans1.18%1.15%1.12%1.15%1.13%1.13%1.10%1.07%-9 bps
Allowance Coverage of NPLs17.9x2.3xn/a1.2x1.2x1.2x1.3x1.2x0.0x
Capital
Tier 1 Leverage Ratio9.42%9.56%9.67%9.61%9.76%10.07%10.13%10.20%+59 bps
Total Risk-Based Capital16.06%16.38%16.39%16.50%16.48%16.89%16.72%16.47%-4 bps
Equity / Assets7.84%7.69%7.74%8.26%8.54%9.11%8.92%9.39%+113 bps
Liquidity & Funding
Loans / Deposits68.33%68.70%66.12%69.18%69.59%71.36%70.72%75.76%+659 bps
Liquid Assets / Assets5.69%4.90%8.57%7.19%7.80%6.68%9.08%4.32%-287 bps
CRE / Total Capitaln/an/an/an/a264%248%248%n/an/a