Bank Safety Analysis
Is Farmers and Merchants Bank of Mound City, Kansas Safe? Mound City, Kansas
Based on its Q2 2026 call report, Farmers and Merchants Bank of Mound City, Kansas meets every capital ratio test for well capitalized, its Texas ratio is 0.98%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Farmers and Merchants Bank of Mound City, Kansas safe?
On its Q2 2026 call report, Farmers and Merchants Bank of Mound City, Kansas's CET1 ratio is 13.63%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 13.63%
- Tier 1 leverage ratio (Q2 2026): 6.06%
- Texas ratio (Q2 2026): 0.98%
- Noncurrent loans ratio (Q2 2026): 0.12%
Farmers and Merchants Bank of Mound City, Kansas is an FDIC-insured commercial bank (FDIC Certificate #14024). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Farmers and Merchants Bank of Mound City, Kansas (FDIC Certificate #14024) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Farmers and Merchants Bank of Mound City, Kansas passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) dropped 0.58 percentage points in Q2 2026, from 0.70% to 0.12%. It was the largest change from Q1 2026 among the key lines here. Farmers and Merchants Bank of Mound City, Kansas ranks 54th of 86 Kansas banks on CET1 ratio, in the lower half at 13.63% (Q2 2026). Farmers and Merchants Bank of Mound City, Kansas reported 13.63% on CET1 ratio for Q2 2026, 6.33 points below the 19.96% median for banks in the < $100M asset tier. From Q3 2023 to Q2 2026, Farmers and Merchants Bank of Mound City, Kansas's CET1 ratio ranged between 11.33% (Q1 2024) and 13.63% (Q2 2026) and its Texas ratio ranged between 0.44% (Q4 2024) and 7.57% (Q2 2025). Between Q2 2025 and Q2 2026, Farmers and Merchants Bank of Mound City, Kansas's CET1 ratio rose from 12.10% to 13.63%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.82% to 0.12%, Texas ratio fell from 7.57% to 0.98% and return on assets rose from 1.06% to 1.26%.
Of the 182 banks headquartered in Kansas, Farmers and Merchants Bank of Mound City, Kansas is the 154th largest by total assets at Q2 2026. 1-4 family residential loans are its largest loan category, $17.5M of $36.7M in total loans on its June 30, 2026 call report. Against the 578 banks with under $100M in assets for Q2 2026, Farmers and Merchants Bank of Mound City, Kansas's CET1 ratio of 13.63% is below the 19.96% median, Tier 1 leverage ratio of 6.06% is below the 12.62% median, nonperforming loans ratio of 0.12% is below the 0.44% median, Texas ratio of 0.98% is below the 2.09% median, and efficiency ratio of 64.02% is below the 69.61% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Farmers and Merchants Bank of Mound City, Kansas score on capital, credit and costs?
Peer cohort: Under $100M (583 banks) · Industry averages as of Q2 2026.
Median of the 578 banks with under $100M in assets, Q2 2026: 19.96%.
Median of the 578 banks with under $100M in assets, Q2 2026: 12.62%.
Median of the 578 banks with under $100M in assets, Q2 2026: 0.44%.
Median of the 578 banks with under $100M in assets, Q2 2026: 2.09%.
Median of the 578 banks with under $100M in assets, Q2 2026: 69.61%.
Does Farmers and Merchants Bank of Mound City, Kansas trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 13.63% | Within range |
| Texas ratio BankRegReports band | 0.98% | Within range |
| Non-performing loan ratio BankRegReports band | 0.12% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 61.15% | Within range |
| Commercial real estate to capital supervisory threshold | 44.54% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 13.63% |
| Q1 2026 | 13.10% |
| Q4 2025 | 12.71% |
| Q3 2025 | 12.15% |
| Q2 2025 | 12.10% |
| Q1 2025 | 12.16% |
| Q4 2024 | 11.56% |
| Q3 2024 | 11.96% |
| Q2 2024 | 11.86% |
| Q1 2024 | 11.33% |
| Q4 2023 | 11.88% |
| Q3 2023 | 12.01% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.98% |
| Q1 2026 | 5.92% |
| Q4 2025 | 0.86% |
| Q3 2025 | 5.37% |
| Q2 2025 | 7.57% |
| Q1 2025 | 6.89% |
| Q4 2024 | 0.44% |
| Q3 2024 | 0.57% |
| Q2 2024 | 0.87% |
| Q1 2024 | 7.45% |
| Q4 2023 | 2.61% |
| Q3 2023 | 0.89% |
Loans by type, Q2 2026
- 1-4 family residential loans: $17.5M
- Commercial and industrial loans: $4.4M
- Owner-occupied commercial real estate loans: $3.1M
- Auto loans: $2.5M
- Agricultural production loans: $2.0M
- Construction and land development loans: $1.7M
- Other consumer loans: $1.0M
- Non-owner-occupied commercial real estate loans: $310K
How have Farmers and Merchants Bank of Mound City, Kansas's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Jun 30, 2026 | $65.0M | 13.63% | 6.06% | 0.12% | 0.98% | 64.02% |
| Mar 31, 2026 | $62.4M | 13.10% | 6.26% | 0.70% | 5.92% | 68.54% |
| Dec 31, 2025 | $57.6M | 12.71% | 6.41% | 0.05% | 0.86% | 77.82% |
| Sep 30, 2025 | $60.2M | 12.15% | 6.33% | 0.60% | 5.37% | 68.17% |
| Jun 30, 2025 | $61.4M | 12.10% | 6.20% | 0.82% | 7.57% | 70.28% |
| Mar 31, 2025 | $57.3M | 12.16% | 6.25% | 0.75% | 6.89% | 69.90% |
| Dec 31, 2024 | $57.0M | 11.56% | 6.43% | 0.05% | 0.44% | 75.22% |
| Sep 30, 2024 | $55.1M | 11.96% | 6.47% | 0.06% | 0.57% | 72.17% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Farmers and Merchants Bank of Mound City, Kansas FDIC insured?
Yes. Farmers and Merchants Bank of Mound City, Kansas is an FDIC-insured commercial bank (FDIC Certificate #14024). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Farmers and Merchants Bank of Mound City, Kansas well capitalized?
On its Q2 2026 call report, Farmers and Merchants Bank of Mound City, Kansas's CET1 ratio is 13.63%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Farmers and Merchants Bank of Mound City, Kansas's key safety ratios?
For Q2 2026, Farmers and Merchants Bank of Mound City, Kansas reports CET1 13.63%, leverage 6.06%, Texas ratio 0.98%, noncurrent loans 0.12%. Its Texas ratio compares with the 2.09% median for the 578 banks with under $100M in assets.
What happens to my deposits if Farmers and Merchants Bank of Mound City, Kansas fails?
For Q2 2026, Farmers and Merchants Bank of Mound City, Kansas reported $60.0M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Free to use. It shows Farmers and Merchants Bank of Mound City, Kansas’s latest filed figures and updates each quarter.
Where does this data come from?
Not investment advice. See the full Farmers and Merchants Bank of Mound City, Kansas profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.