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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 · 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 $2.0MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $89.8M22%Noninterest $25.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.26%, up 33 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • 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.

Return on Assets (quarter, annualized)

1.26%+33 bps YoY

Net Interest Margin (quarter, annualized)

3.37%+5 bps YoY

Efficiency Ratio (quarter, annualized)

55.78%-711 bps YoY

Tier 1 Leverage Ratio

11.63%-1 bps YoY

NIM

4.18%Q2 ’244.53%Q2 ’254.42%Q2 ’26+18%+1%

Non-interest income vs. expense

1.88%Q2 ’242.25%Q2 ’252.02%Q2 ’26+28%-11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.34%0.88%0.93%1.15%1.16%1.04%1.26%+33 bps
Return on Equity8.29%3.09%8.10%8.71%10.17%9.59%9.20%11.15%+244 bps
Net Interest Margin2.90%3.07%3.15%3.33%3.31%3.50%3.25%3.37%+5 bps
Efficiency Ratio62.90%71.84%67.51%62.88%55.28%60.65%60.71%55.78%-711 bps
Non-Interest Burden1.72%2.12%2.03%2.00%1.71%2.00%1.89%1.77%-23 bps
Growth
Asset Growth (YoY)1.88%2.80%9.31%15.88%-2.89%-3.49%8.05%-8.18%-2,406 bps
Loan Growth (YoY)-2.25%-0.86%-5.65%-3.22%-1.13%-5.13%-6.47%-6.80%-359 bps
Deposit Growth (YoY)-1.50%1.97%9.10%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%0.01%0.00%-0.03%-3 bps
Allowance / Loans1.41%1.60%1.71%1.73%1.84%1.80%1.95%1.95%+22 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.89%10.94%11.29%11.64%11.51%12.08%11.88%11.63%-1 bps
Total Risk-Based Capital11.89%10.94%11.29%11.64%11.51%12.08%11.88%11.63%-1 bps
Equity / Assets11.51%10.53%11.16%10.27%12.44%11.78%10.94%11.78%+151 bps
Liquidity & Funding
Loans / Deposits53.48%55.14%52.90%47.27%55.48%55.20%45.93%49.14%+186 bps
Liquid Assets / Assets16.06%19.06%20.83%20.21%22.71%24.07%29.95%24.78%+457 bps
CRE / Total Capitaln/an/an/an/a68.87%54.04%50.39%n/an/a