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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 1.17%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.80%0.88%0.89%1.00%1.03%1.04%1.17%+27 bps
Return on Equity8.75%7.37%8.10%8.41%9.01%9.24%9.20%10.17%+176 bps
Net Interest Margin2.81%2.82%3.15%3.24%3.18%3.47%3.25%3.23%-2 bps
Efficiency Ratio61.70%64.45%67.51%65.16%61.73%61.46%60.71%58.13%-703 bps
Non-Interest Burden1.62%1.71%2.03%2.02%1.86%2.02%1.89%1.78%-24 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%0.00%0.00%0.00%-0.01%-1 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