F&M Bank

Falls City, NebraskaFDIC Cert #5401

STATEEstablished 18822 branches

Holding company: R DEAN PHILLIPS BK TR DATED 11-19-2004Regulator: 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	$1.98M
Investor CRE	$2.98M
Multifamily	$0
Construction	$2.96M
1–4 family	$7.89M
C&I	$5.25M
Agriculture	$32.9M
Other	$2.25M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$56.2M

−6.5%y/y

Percentile by value9th percentileby value

FDICLNLSGR

Net loans

$55.1M

−6.7%y/y

Percentile by value9th percentileby value

FDICLNLSNET

Loans YoY

−6.70%

−11.6%y/y

Percentile by value6th percentileby value

FDICLNLSNET

L/D

45.0%

−13.4%y/y

Percentile by value9th percentileby value

FDICLNLSNET + DEP

Loans/assets

38.7%

−13.7%y/y

Percentile by value9th percentileby value

FDICLNLSNET + ASSET

RE loans %

65.08%

−12.3%y/y

Percentile by value23rd 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

2,184points

−8.2%y/y

Peer standing60th percentile

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

Owner CRE %

3.52%

−56.9%y/y

Percentile by value24th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

5.30%

+3.8%y/y

Percentile by value36th percentileby value

FDICLNRENROT + LNLSGR

C&I %

9.33%

+38.1%y/y

Percentile by value51st percentileby value

FDICLNCI + LNLSGR