The Farmers & Merchants Bank

Stuttgart, ArkansasFDIC Cert #16216

STATEEstablished 194521 branches

Holding company: FARMERS&MERCHANTS BANKSHARESRegulator: 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	$97.9M
Investor CRE	$272M
Multifamily	$47.8M
Construction	$173M
1–4 family	$294M
C&I	$175M
Agriculture	$252M
Other	$82.4M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.39B

+6.2%y/y

Percentile by value71st percentileby value

FDICLNLSGR

Net loans

$1.38B

+6.1%y/y

Percentile by value70th percentileby value

FDICLNLSNET

Loans YoY

+6.09%

−16.3%y/y

Percentile by value48th percentileby value

FDICLNLSNET

L/D

80.6%

−3.0%y/y

Percentile by value40th percentileby value

FDICLNLSNET + DEP

Loans/assets

69.1%

−1.3%y/y

Percentile by value41st percentileby value

FDICLNLSNET + ASSET

RE loans %

73.37%

+1.1%y/y

Percentile by value24th 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

1,362points

−4.7%y/y

Peer standing94th percentile

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

Owner CRE %

7.02%

+3.0%y/y

Percentile by value15th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

19.53%

−3.0%y/y

Percentile by value52nd percentileby value

FDICLNRENROT + LNLSGR

C&I %

12.52%

+0.8%y/y

Percentile by value57th percentileby value

FDICLNCI + LNLSGR