Farmers and Merchants Union Bank

Columbus, WisconsinFDIC Cert #14445

STATEEstablished 186113 branches

Holding company: JEWEL BOX FINL SERVICES INCRegulator: FDIC

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	$60.1M
Investor CRE	$183M
Multifamily	$65.7M
Construction	$72.5M
1–4 family	$104M
C&I	$38M
Agriculture	$117M
Other	$7.83M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$648M

+25.4%y/y

Percentile by value92nd percentileby value

FDICLNLSGR

Net loans

$635M

+25.8%y/y

Percentile by value92nd percentileby value

FDICLNLSNET

Loans YoY

+25.80%

−39.0%y/y

Percentile by value96th percentileby value

FDICLNLSNET

L/D

81.1%

−10.7%y/y

Percentile by value53rd percentileby value

FDICLNLSNET + DEP

Loans/assets

70.3%

−10.1%y/y

Percentile by value55th percentileby value

FDICLNLSNET + ASSET

RE loans %

87.27%

+1.7%y/y

Percentile by value60th 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

1,575points

+11.2%y/y

Peer standing88th percentile

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

Owner CRE %

9.27%

−13.3%y/y

Percentile by value33rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

28.17%

+23.9%y/y

Percentile by value86th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.86%

−14.5%y/y

Percentile by value21st percentileby value

FDICLNCI + LNLSGR