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F&M Bank

Falls City, NE · Cert 5401 · R Dean Phillips Bk Tr Dated 11-19-2004

State charter, non-member · FDIC · 2 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 NE3

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 NE (n=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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

55

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

Falls City, NE · Cert 5401 · R Dean Phillips Bk Tr Dated 11-19-2004

State charter, non-member · FDIC · 6 affiliate banks · 2 branches (43 in holding)

Q2 2026

$135.3MAssets
$56.6MLoans
$115.1MDeposits
$15.9MEquity
Loan mix
83%RE $36.6M12%C&I $5.2M5%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $89.8M22%Noninterest $25.3MQ2 2025Q2 2026

NIM

4.07%Q2 ’244.43%Q2 ’254.22%Q2 ’26+13%-1%

Non-interest income vs. expense

1.95%Q2 ’242.29%Q2 ’252.01%Q2 ’26+24%-12%

Executive Summary

  • Earnings: ROA of 1.17%, up 27 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.63%, down 1 bps from a year ago.
  • Funding: loans stand at 49.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.23%-2 bps YoY

Efficiency Ratio (YTD, annualized)

58.13%-703 bps YoY

Tier 1 Leverage Ratio

11.63%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%1.00%1.03%1.04%1.17%+27 bps
Return on Equity8.41%9.01%9.24%9.20%10.17%+176 bps
Net Interest Margin3.24%3.18%3.47%3.25%3.23%-2 bps
Efficiency Ratio65.16%61.73%61.46%60.71%58.13%-703 bps
Non-Interest Burden2.02%1.86%2.02%1.89%1.78%-24 bps
Growth
Asset Growth (YoY)15.88%-2.89%-3.49%8.05%-8.18%-2,406 bps
Loan Growth (YoY)-3.22%-1.13%-5.13%-6.47%-6.80%-359 bps
Deposit Growth (YoY)16.43%-4.70%-5.23%7.73%-10.34%-2,677 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-0.01%-1 bps
Allowance / Loans1.73%1.84%1.80%1.95%1.95%+22 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.64%11.51%12.08%11.88%11.63%-1 bps
Total Risk-Based Capital11.64%11.51%12.08%11.88%11.63%-1 bps
Equity / Assets10.27%12.44%11.78%10.94%11.78%+151 bps
Liquidity & Funding
Loans / Deposits47.27%55.48%55.20%45.93%49.14%+186 bps
Liquid Assets / Assets20.21%22.71%24.07%29.95%24.78%+457 bps
CRE / Total Capitaln/a68.87%54.04%50.39%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

Falls City, NE · Cert 5401 · Peer group: banks under $1B in assets in NE (n=83) · R Dean Phillips Bk Tr Dated 11-19-2004

State charter, non-member · FDIC · 6 affiliate banks · 2 branches (43 in holding)

Q2 2026

$135.3MAssets
$56.6MLoans
$115.1MDeposits
$15.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
  • Widest gap: net interest margin trails 78% of banks under $1B in assets in NE (rank 65 of 83).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.17%

Rank 48 of 83

Net Interest Margin

3.23%

Rank 65 of 83

Efficiency Ratio

58.13%

Rank 38 of 83

Equity / Assets

11.78%

Rank 36 of 83

Non-interest income vs. expense

$0.3M$2.8MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 55% of banks under $1B in assets in NE
Bank 58.13%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.93%1.20%1.51%Beats 42%48 / 83
Return on Equity9.95%8.04%10.34%13.11%Beats 46%45 / 83
Net Interest Margin3.23%3.25%3.62%4.02%Beats 22%65 / 83
Efficiency Ratio58.13%51.13%59.95%67.19%Beats 55%38 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.19%0.96%Beats 100%19 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 48%45 / 83
Capital
Tier 1 Capital Ratio11.63%10.94%13.24%16.62%Beats 37%52 / 83
Total Risk-Based Capital Ratio11.63%11.04%13.54%17.63%Beats 31%57 / 83
Equity / Assets11.78%9.90%11.31%13.84%Beats 57%36 / 83
Liquidity & Funding
Loans / Deposits49.14%71.97%83.15%92.22%5th pctl79 / 83
Loans / Assets41.80%57.96%69.15%77.64%6th pctl78 / 83
Brokered Deposits / Depositsn/aNot reported for this institution