Farmers and Merchants Bank of Mound City, Kansas
Farmers and Merchants Bank of Mound City, Kansas is an FDIC-insured commercial bank headquartered in Mound City, KS, supervised by the FDIC, with $65.0M in total assets at Q2 2026, up 5.8% from Q2 2025, the 154th largest of 182 banks headquartered in Kansas. It was established in 1893 and holds FDIC certificate 14024. Its CET1 capital ratio was 13.63% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14024
- Headquarters
- Mound City, KS
- Established
- 1893
- Total assets, Q2 2026
- $65.0M
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 13.63%
- Domestic offices
- 1 · Farmers and Merchants Bank of Mound City, Kansas branches FDIC institution directory, current count
- Routing number
- 101109512
- Safety and soundness
- Is Farmers and Merchants Bank of Mound City, Kansas safe?
- Latest call report
- Q2 2026, FFIEC 051 · Farmers and Merchants Bank of Mound City, Kansas Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- CUNNINGHAM AGENCY, INC.
- Asset rank in state
- 154th of 182 in Kansas
Farmers and Merchants Bank of Mound City, Kansas is one of the more profitable banks of its size. Based in Mound City, Kansas, it had $65 million in assets at June 30, 2026, up 5.8% from a year earlier. It returns 21.3% a year on shareholders' equity, 2.5 times the median of 8.6% for the 533 banks with less than $100 million in assets. On the other hand, it funds 6.06% of its assets with Tier 1 capital, about half the median of 12.81% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 4.7% and deposits rose 6.2%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.12% of loans from 0.82%. One more trend to watch: delinquency has appeared in its $4.4 million commercial and industrial book: 0.53% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Farmers and Merchants Bank of Mound City, Kansas reported a CET1 capital ratio of 13.63%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.98%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers and Merchants Bank of Mound City, Kansas is the 154th largest of the 182 banks headquartered in Kansas. From Q1 2026 to Q2 2026, its total assets rose 4.2% to $65.0M, loans rose 0.1% and deposits rose 4.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 47.8% of total loans, followed by commercial and industrial loans at 11.9%. Its one office in the FDIC Summary of Deposits is in Mound City, KS. By the capital ratios in its Q2 2026 call report, Farmers and Merchants Bank of Mound City, Kansas meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 103 S 5th St, Mound City, KS 66056
- County
- Linn
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 14, 1893
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $60.0M
- Allowance for credit losses
- $429K
- Net charge-offs (YTD)
- $0
- Average total assets
- $67.2M
- Average total loans
- $37.1M
- Average interest-bearing deposits
- $48.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 9, 1934
- FDIC Cert
- 14024
- Fed RSSD
- 274052
- Website
- www.fmbankmc.com →
- Parent Holding Company
- CUNNINGHAM AGENCY, INC. (RSSD 1051410)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Farmers and Merchants Bank of Mound City, Kansas's total assets ran between $54.1M (Q3 2023) and $65.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$65.0M total assets against $61.4M; $61.0M total liabilities against $57.7M.
$36.3M net loans and leases against $38.1M; $60.0M total deposits against $56.5M.
$7.1M securities against $4.4M; $20.4M cash and balances due against $17.8M.
$864K total interest income against $826K; $300K total interest expense against $287K.
$564K net interest income against $539K.
$29K total noninterest income against $22K; $381K total noninterest expense against $395K.
$0 provision for credit losses against $0.
$212K net income against $161K.
1.26% return on assets against 1.06%; 3.45% net interest margin against 3.65%.
13.63% CET1 capital ratio against 12.10%; 6.06% tier 1 leverage ratio against 6.20%.
Inside the full Farmers and Merchants Bank of Mound City, Kansas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.79% (Q4 2025) to 1.26% (Q2 2026) and its net interest margin ran from 3.45% (Q2 2026) to 3.72% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.63% | 1.26% | 0.12% | 0.98% | 3.45% |
| Q1 2026 | 13.10% | 1.09% | 0.70% | 5.92% | 3.53% |
| Q4 2025 | 12.71% | 0.79% | 0.05% | 0.86% | 3.62% |
| Q3 2025 | 12.15% | 1.14% | 0.60% | 5.37% | 3.69% |
| Q2 2025 | 12.10% | 1.06% | 0.82% | 7.57% | 3.65% |
| Q1 2025 | 12.16% | 1.06% | 0.75% | 6.89% | 3.64% |
| Q4 2024 | 11.56% | 0.90% | 0.05% | 0.44% | 3.72% |
| Q3 2024 | 11.96% | 0.99% | 0.06% | 0.57% | 3.71% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Merchants Bank of Mound City, Kansas (main office) | Mound City , KS | 66056 | $60.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 182 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers and Merchants Bank of Mound City, Kansas
What are Farmers and Merchants Bank of Mound City, Kansas's total assets?
As of the Q2 2026 filing, Farmers and Merchants Bank of Mound City, Kansas reported total assets of $65.0 million in its FFIEC call report.
Where is Farmers and Merchants Bank of Mound City, Kansas headquartered?
It is headquartered in Mound City, KS, United States.
When was Farmers and Merchants Bank of Mound City, Kansas founded?
It was established in 1893, per the FDIC institution directory.
Is Farmers and Merchants Bank of Mound City, Kansas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14024). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers and Merchants Bank of Mound City, Kansas?
Farmers and Merchants Bank of Mound City, Kansas's primary federal regulator is the FDIC.
What is Farmers and Merchants Bank of Mound City, Kansas's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers and Merchants Bank of Mound City, Kansas operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers and Merchants Bank of Mound City, Kansas's Texas Ratio?
Its Texas Ratio is 0.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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