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Farmers-Merchants Bank & Trust Company

Breaux Bridge, LA · Cert 9327

State charter, non-member · 6 branches

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2026, the quarter ended March 31, 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 (n=557 to 606). 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

46

Q2 2024Q1 2026peer median (50)

Asset Quality

21

Q2 2024Q1 2026peer median (50)

Profitability

64

Q2 2024Q1 2026peer median (50)

Liquidity

87

Q2 2024Q1 2026peer median

Efficiency

52

Q2 2024Q1 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-Merchants Bank & Trust Company

Breaux Bridge, LA · Cert 9327

State charter, non-member · 6 branches

Q1 2026

$448.2MAssets
$246.4MLoans
$330.0MDeposits
$53.4MEquity
Loan mix
91%RE $214.8M4%C&I $10.0M5%Consumer $11.1MQ1 2025Q1 2026
Deposit mix
69%Interest-bearing $227.4M31%Noninterest $102.7MQ1 2025Q1 2026

NIM

4.85%Q1 ’245.03%Q1 ’255.11%Q1 ’26-3%+6%

Non-interest income vs. expense

2.65%Q1 ’242.53%Q1 ’253.12%Q1 ’26-9%+30%

Market Position · Lafayette, LA · 2025 SOD (annual) · 2.8% share · #9 of 40 inst. · $0.3B of $11.8B

34.3% St. Martin
0.5% Lafayette

Executive Summary

  • Earnings: ROA of 1.20%, down 30 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 1.12% of loans (+17 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 12.41%, down 87 bps from a year ago.
  • Funding: loans stand at 74.66% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%-30 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+24 bps YoY

Efficiency Ratio (YTD, annualized)

67.42%+957 bps YoY

Tier 1 Leverage Ratio

12.41%-87 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.49%1.49%1.50%1.20%-30 bps
Return on Equity12.69%12.41%12.05%12.05%9.64%-304 bps
Net Interest Margin3.78%3.83%3.98%4.01%4.02%+24 bps
Efficiency Ratio57.85%59.03%59.54%59.34%67.42%+957 bps
Non-Interest Burden1.93%2.01%2.11%2.12%2.51%+58 bps
Growth
Asset Growth (YoY)1.92%0.52%0.96%4.59%-1.39%-331 bps
Loan Growth (YoY)2.98%-1.83%-1.51%-1.64%-3.97%-695 bps
Deposit Growth (YoY)0.62%-1.56%-0.38%3.55%-1.15%-177 bps
Asset Quality
Nonperforming Loans / Loans0.95%0.93%1.03%0.64%1.12%+17 bps
Net Charge-Offs / Loans-0.01%0.04%0.04%0.11%0.10%+11 bps
Allowance / Loans1.42%1.44%1.44%1.38%1.37%-6 bps
Allowance Coverage of NPLs1.5x1.6x1.4x2.2x1.2x-0.3x
Capital
Tier 1 Leverage Ratio13.28%13.23%13.99%13.99%12.41%-87 bps
Total Risk-Based Capital13.28%13.23%13.99%13.99%12.41%-87 bps
Equity / Assets12.02%12.51%13.17%12.96%11.91%-11 bps
Liquidity & Funding
Loans / Deposits76.86%76.59%77.43%72.63%74.66%-219 bps
Liquid Assets / Assets7.35%8.38%7.57%12.60%0.03%-732 bps
CRE / Total Capitaln/an/a253%252%282%n/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-Merchants Bank & Trust Company

Breaux Bridge, LA · Cert 9327 · Peer group: banks under $1B in assets (n=557-606)

State charter, non-member · 6 branches

Q1 2026

$448.2MAssets
$246.4MLoans
$330.0MDeposits
$53.4MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 331 of 568).
  • Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets (rank 471 of 557).
  • Overall: at or above the peer median on 6 of 10 directional measures.

Return on Assets

1.23%

Rank 220 of 604

Net Interest Margin

4.02%

Rank 162 of 604

Efficiency Ratio

67.42%

Rank 292 of 603

Equity / Assets

11.91%

Rank 207 of 604

Non-interest income vs. expense

$2.9M$14.5MINCOMEEXPENSE
Unfavorable gap of $11.7M · efficiency ratio beats 52% of banks under $1B in assets
Bank 67.42%Peer median 68.0%Q2 2024Q1 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.58%1.00%1.47%Beats 64%220 / 604
Return on Equity10.29%5.38%9.60%13.62%Beats 55%272 / 604
Net Interest Margin4.02%3.01%3.52%4.07%Beats 73%162 / 604
Efficiency Ratio67.42%58.15%68.01%80.27%Beats 52%292 / 603
Asset Quality
Nonperforming Loans / Loans1.12%0.08%0.39%1.12%Beats 25%418 / 558
Net Charge-Offs / Loans0.04%n/a0.00%0.02%Beats 16%471 / 557
Capital
Tier 1 Capital Ratio12.41%11.15%13.69%18.60%Beats 38%372 / 604
Total Risk-Based Capital Ratio12.41%11.56%14.21%19.70%Beats 33%407 / 604
Equity / Assets11.91%8.81%10.34%13.22%Beats 66%207 / 604
Liquidity & Funding
Loans / Deposits74.66%63.31%78.59%92.04%42nd pctl331 / 570
Loans / Assets54.97%50.80%66.73%77.27%30th pctl423 / 606
Brokered Deposits / Deposits0.00%n/an/a3.83%Beats 100%331 / 568