Farmers and Merchants Bank

Baldwyn, MississippiFDIC Cert #15801

STATEEstablished 194112 branches

Holding company: FMB BANCSHARES INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$25M
Investor CRE	$45.8M
Multifamily	$4.78M
Construction	$52M
1–4 family	$124M
C&I	$33.5M
Agriculture	$10.5M
Other	$47M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$342M

+3.3%y/y

Percentile by value50th percentileby value

FDICLNLSGR

Net loans

$334M

+3.2%y/y

Percentile by value49th percentileby value

FDICLNLSNET

Loans YoY

+3.22%

−73.2%y/y

Percentile by value34th percentileby value

FDICLNLSNET

L/D

68.7%

−3.4%y/y

Percentile by value25th percentileby value

FDICLNLSNET + DEP

Loans/assets

59.0%

+1.8%y/y

Percentile by value25th percentileby value

FDICLNLSNET + ASSET

RE loans %

79.80%

+2.1%y/y

Percentile by value35th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,887points

+2.2%y/y

Peer standing69th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

7.30%

+18.2%y/y

Percentile by value26th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

13.39%

−11.9%y/y

Percentile by value49th percentileby value

FDICLNRENROT + LNLSGR

C&I %

9.80%

−14.5%y/y

Percentile by value53rd percentileby value

FDICLNCI + LNLSGR