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Farmers and Merchants Bank

Maysville, OK · Cert 4144

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

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 OK (n=88 to 89). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

26

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 Merchants Bank

Maysville, OK · Cert 4144

State charter, non-member · FDIC · 1 branch

Q2 2026

$22.0MAssets
$12.2MLoans
$19.6MDeposits
$2.4MEquity
Loan mix
57%RE $5.2M36%C&I $3.3M7%Consumer $0.6MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $13.1M33%Noninterest $6.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.38%, up 94 bps year over year; NIM at 5.13%.
  • Asset quality: problem loans at 1.61% of loans (-268 bps YoY), with net charge-offs at 0.44%.
  • Capital: tier 1 leverage ratio of 10.89%, up 158 bps from a year ago.
  • Funding: loans stand at 62.26% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.38%+94 bps YoY

Net Interest Margin (YTD, annualized)

5.13%-90 bps YoY

Efficiency Ratio (YTD, annualized)

71.14%+497 bps YoY

Tier 1 Leverage Ratio

10.89%+158 bps YoY

NIM

7.09%Q2 ’246.46%Q2 ’255.78%Q2 ’26-12%-15%

Non-interest income vs. expense

4.32%Q2 ’244.37%Q2 ’253.86%Q2 ’26-3%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.23%1.72%0.43%0.78%1.00%1.30%1.38%+94 bps
Return on Equity11.97%15.16%20.01%4.91%8.72%10.87%12.52%13.04%+814 bps
Net Interest Margin7.04%7.11%6.26%6.02%5.92%5.68%5.06%5.13%-90 bps
Efficiency Ratio56.11%58.00%67.08%66.17%66.55%67.02%71.48%71.14%+497 bps
Non-Interest Burden3.78%3.95%3.94%3.79%3.78%3.66%3.52%3.56%-23 bps
Growth
Asset Growth (YoY)1.41%-2.21%-2.93%-6.08%2.40%0.97%-5.52%-1.40%+468 bps
Loan Growth (YoY)-2.46%-10.46%-12.53%-9.93%-17.23%-11.97%-9.52%-5.52%+442 bps
Deposit Growth (YoY)2.22%-2.34%-3.53%-8.00%0.69%-0.89%-7.44%-2.38%+561 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.50%0.58%4.29%4.12%3.68%3.65%1.61%-268 bps
Net Charge-Offs / Loans0.44%0.34%0.22%3.14%2.33%1.58%-0.21%0.44%-270 bps
Allowance / Loans2.92%3.06%3.18%3.07%3.46%3.42%3.46%2.90%-17 bps
Allowance Coverage of NPLsn/a6.1x5.5x0.7x0.8x0.9x0.9x1.8x+1.1x
Capital
Tier 1 Leverage Ratio7.54%8.38%8.93%9.30%9.67%9.95%10.40%10.89%+158 bps
Total Risk-Based Capital12.69%14.49%16.13%16.04%9.67%9.95%10.40%10.89%-515 bps
Equity / Assets7.52%8.53%8.64%9.37%9.10%10.23%10.49%10.93%+156 bps
Liquidity & Funding
Loans / Deposits64.07%65.03%59.68%64.32%52.67%57.76%58.35%62.26%-207 bps
Liquid Assets / Assets11.96%12.55%15.18%13.85%9.70%10.35%12.81%13.00%-85 bps
CRE / Total Capitaln/an/an/an/a63.83%68.36%66.41%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 Merchants Bank

Maysville, OK · Cert 4144 · Peer group: banks under $1B in assets in OK (n=88-89)

State charter, non-member · FDIC · 1 branch

Q2 2026

$22.0MAssets
$12.2MLoans
$19.6MDeposits
$2.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in OK (rank 9 of 89).
  • Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets in OK (rank 79 of 88).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.40%

Rank 32 of 89

Net Interest Margin

5.13%

Rank 9 of 89

Efficiency Ratio

71.14%

Rank 67 of 89

Equity / Assets

10.93%

Rank 46 of 89

Non-interest income vs. expense

$68K$858KINCOMEEXPENSE
Unfavorable gap of $790K · efficiency ratio beats 26% of banks under $1B in assets in OK
Bank 71.14%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.40%0.85%1.26%1.60%Beats 64%32 / 89
Return on Equity12.78%7.40%11.89%14.65%Beats 57%38 / 89
Net Interest Margin5.13%3.46%3.93%4.45%Beats 90%9 / 89
Efficiency Ratio71.14%54.70%60.95%71.14%Beats 26%67 / 89
Asset Quality
Nonperforming Loans / Loans1.61%0.30%0.82%2.25%Beats 34%59 / 88
Net Charge-Offs / Loans0.50%0.00%0.03%0.20%Beats 11%79 / 88
Capital
Tier 1 Capital Ratio10.89%10.89%13.00%16.33%Beats 24%68 / 89
Total Risk-Based Capital Ratio10.89%11.20%13.06%16.33%Beats 21%70 / 89
Equity / Assets10.93%9.26%10.94%13.52%Beats 48%46 / 89
Liquidity & Funding
Loans / Deposits62.26%61.51%72.27%84.01%28th pctl63 / 88
Loans / Assets55.43%52.51%63.15%71.27%31st pctl61 / 89
Brokered Deposits / Depositsn/aNot reported for this institution