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BDI
FM

Farmers and Merchants State Bank

Langdon, North DakotaFDIC Cert #21728

STATEEstablished 19741 branch

Holding company: F&M BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$122M$101M
Q3 2021$128M$107M
Q4 2021$135M$113M
Q1 2022$141M$124M
Q2 2022$139M$123M
Q3 2022$137M$122M
Q4 2022$144M$122M
Q1 2023$139M$122M
Q2 2023$140M$111M
Q3 2023$139M$113M
Q4 2023$145M$120M
Q1 2024$141M$109M
Q2 2024$142M$108M
Q3 2024$149M$105M
Q4 2024$147M$105M
Q1 2025$142M$109M
Q2 2025$146M$102M
Q3 2025$147M$103M
Q4 2025$150M$108M
Q1 2026$140M$110M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$140M
−1.1%y/y
Percentile by value24th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICASSET
Deposits
$110M
+0.5%y/y
Percentile by value16th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICDEP
Gross loans
$78.2M
+7.3%y/y
Percentile by value21st percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSGR
Net loans
$77.7M
+7.5%y/y
Percentile by value21st percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET
Securities
$54.6M
−11.6%y/y
Percentile by value72nd percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICSC
Cash
$3.1M
+3.1%y/y
Percentile by value6th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICCHBAL
Liabilities
$120M
−3.2%y/y
Percentile by value21st percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLIAB
Equity
$19.9M
+13.4%y/y
Peer standing52nd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$1.2M
+22.0%y/y
Peer standing15th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNIM + NONII
NII
$1.16M
+21.1%y/y
Peer standing19th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNIM
Noninterest income
$46K
+48.4%y/y
Peer standing8th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNONII
Provision
$50K
+900.0%y/y
Percentile by value74th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICELNATR
Pretax income
$524K
+68.5%y/y
Peer standing38th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICPTAXNETINC
Net income
$513K
+66.6%y/y
Peer standing45th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNETINC