F & C Bank

Holden, MissouriFDIC Cert #9378

STATEEstablished 18813 branches

Holding company: F&C BCORP 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	$31.6M
Investor CRE	$21.7M
Multifamily	$3.79M
Construction	$58.3M
1–4 family	$136M
C&I	$16.6M
Agriculture	$139M
Other	$7.19M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$414M

+12.6%y/y

Percentile by value63rd percentileby value

FDICLNLSGR

Net loans

$409M

+12.7%y/y

Percentile by value64th percentileby value

FDICLNLSNET

Loans YoY

+12.67%

−17.0%y/y

Percentile by value81st percentileby value

FDICLNLSNET

L/D

98.2%

+0.5%y/y

Percentile by value88th percentileby value

FDICLNLSNET + DEP

Loans/assets

86.5%

+0.9%y/y

Percentile by value97th percentileby value

FDICLNLSNET + ASSET

RE loans %

83.43%

+0.4%y/y

Percentile by value44th 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

1,989points

+0.1%y/y

Peer standing62nd percentile

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

Owner CRE %

7.63%

−6.3%y/y

Percentile by value28th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

5.25%

−2.2%y/y

Percentile by value17th percentileby value

FDICLNRENROT + LNLSGR

C&I %

4.00%

−6.2%y/y

Percentile by value15th percentileby value

FDICLNCI + LNLSGR