Bank call report · Archbold, OH
The Farmers & Merchants State Bank Call Report
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The Farmers & Merchants State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 483 reported line items, schedule by schedule (909 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 214414 |
| FDIC certificate number | 5969 |
| Total assets | $3.49B |
Official Q2 2026 call report PDF (FFIEC) →
The Farmers & Merchants State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (29 items)
About Schedule RC · The Farmers & Merchants State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $3.49B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $3.49B |
| Total Liabilities and Minority Interest | RCON2948 | $3.09B |
| Total Deposits | RCON2200 | $2.87B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.71B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.68B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $2.36B |
| Deposits: Noninterest-bearing | RCON6631 | $510.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $438.5M |
| Total Equity Capital | RCON3210 | $400.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $400.8M |
| Common Stock | RCON3230 | $203.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $201.3M |
| Other Borrowed Money | RCON3190 | $168.4M |
| Interest-bearing Balances | RCON0071 | $108.3M |
| Other Assets | RCON2160 | $96.2M |
| Intangible Assets | RCON2143 | $94.8M |
| Goodwill | RCON3163 | $86.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $39.1M |
| Other Liabilities, Total | RCON2930 | $32.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $30.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $27.9M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $14.8M |
| Accumulated Other Comprehensive Income | RCONB530 | -$13.9M |
| Surplus | RCON3839 | $9.7M |
| Loans and Leases Held for Sale | RCON5369 | $3.0M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $2.4M |
| Federal Funds Sold | RCONB987 | $511K |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $200K |
Schedule RI: Income Statement (52 items)
About Schedule RI · The Farmers & Merchants State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $88.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $80.7M |
| Net Interest Income | RIAD4074 | $56.8M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $45.0M |
| Total Noninterest Expense | RIAD4093 | $37.5M |
| Total Interest Expense | RIAD4073 | $32.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $28.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $28.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $22.2M |
| Net Income (Loss) | RIAD4340 | $22.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $22.2M |
| Salaries and Employee Benefits | RIAD4135 | $21.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $16.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $14.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $11.3M |
| Other Noninterest Expense | RIAD4092 | $10.5M |
| Total Noninterest Income | RIAD4079 | $9.8M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $7.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $7.3M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $7.2M |
| Applicable Income Taxes | RIAD4302 | $6.0M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $5.2M |
| Other Noninterest Income | RIADB497 | $5.0M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $4.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $2.9M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $2.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.5M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $2.1M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2.0M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $1.8M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $1.3M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $1.1M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $916K |
| Net Servicing Fees | RIADB492 | $833K |
| Interest on Other Securities | RIAD4060 | $656K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $629K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $609K |
| Other Interest Income | RIAD4518 | $484K |
| Provision for Loan and Lease Losses | RIAD4230 | $475K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $442K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$347K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $263K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $161K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $141K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$111K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $108K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $103K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $96K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $82K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $10K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 477 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $147.5M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $89.7M |
| Balances Due from Federal Reserve Banks | RCON0090 | $27.2M |
| Currency and Coin | RCON0080 | $18.3M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $12.3M |
Schedule RC-B: Securities (27 items)
About Schedule RC-B · The Farmers & Merchants State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $54K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $53K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $159.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $151.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $14.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $13.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $456.1M |
| Pledged Securities | RCON0416 | $277.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $142.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $118.6M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $115.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $109.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $105.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $96.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $63.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $55.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $54.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $52.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $49.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $34.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $32.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $14.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $6.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $6.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $52K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $30K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $6K |
Schedule RC-C, Part I: Loans and Leases (38 items)
About Schedule RC-C, Part I · The Farmers & Merchants State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.71B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $812.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $559.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $507.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $498.1M |
| Pledged Loans and Leases | RCONG378 | $430.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $425.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $410.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $381.1M |
| Commercial and Industrial Loans | RCON1766 | $337.5M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $337.5M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $244.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $234.6M |
| Real Estate Loans Secured by Farmland | RCON1420 | $202.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $188.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $174.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $155.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $151.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $147.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $137.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $97.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $92.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $77.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $42.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $38.0M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $22.6M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $12.1M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $9.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $7.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $7.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $2.5M |
| Unearned Income on Loans | RCON2123 | $873K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $746K |
| Other Loans | RCONJ464 | $746K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $208K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $62K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $44K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $44K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $152.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $100.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $76.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $61.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $57.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $31.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $27.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $25.4M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $20.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $18.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $7.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $5.0M |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 695 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 604 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 470 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 388 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 341 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 305 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 285 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 262 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 222 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 202 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 166 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 112 |
Schedule RC-E: Deposit Liabilities (41 items)
About Schedule RC-E · The Farmers & Merchants State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.93B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.71B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.14B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $1.00B |
| Total Transaction Accounts | RCON2215 | $946.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $796.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $774.7M |
| Total reciprocal deposits | RCONJH83 | $514.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $365.4M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $348.6M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $347.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $251.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $236.2M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $219.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $205.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $186.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $182.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $179.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $137.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $117.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $89.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $88.3M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $83.9M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $67.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $64.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $63.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $53.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $46.2M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $41.9M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $36.6M |
| Total Brokered Deposits | RCON2365 | $27.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $27.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $25.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $20.5M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $12.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $7.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $3.1M |
| Brokered Deposits of More Than $250,000 with a Remaining Maturity of One Year or Less | RCONK220 | $499K |
| Sweep deposits: Not fully insured, affiliate sweep deposits | RCONMT89 | $394K |
| Sweep deposits: Fully insured, affiliate sweep deposits | RCONMT87 | $308K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $278K |
Schedule RC-F: Other Assets (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $42.1M |
| Other Assets | RCON2168 | $19.2M |
| Accrued Interest Receivable | RCONB556 | $14.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $10.7M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $5.9M |
| Prepaid Expenses | RCON2166 | $4.8M |
| Net Deferred Tax Assets | RCON2148 | $3.7M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $2.9M |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $2.3M |
| Accounts Receivable | RCONFT34 | $1.2M |
| Computer Software | RCONFT33 | $278K |
Schedule RC-G: Other Liabilities (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $18.6M |
| Other Expenses Accrued and Unpaid | RCON3646 | $8.8M |
| Operating lease liabilities | RCONLB56 | $7.0M |
| Dividends Declared But Not Yet Payable | RCON2932 | $6.0M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $4.2M |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $1.7M |
| Accounts Payable | RCON3066 | $1.3M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1.2M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $955K |
| Deferred Compensation Liabilities | RCONC011 | $683K |
| Derivatives with a Negative Fair Value Held for Purposes Other Than Trading | RCONC012 | $428K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · The Farmers & Merchants State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $3.53B |
| Quarterly Average of Total Loans | RCON3360 | $2.69B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.41B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.23B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $687.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $521.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $416.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $326.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $251.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $231.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $228.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $187.0M |
| Mortgage-backed Securities | RCONB559 | $168.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $159.2M |
| All Other Securities | RCONB560 | $55.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $52.9M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $14.8M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $578K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (13 items)
About Schedule RC-L · The Farmers & Merchants State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $186.1M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $185.1M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $171.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $111.8M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $111.6M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $100.0M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $100.0M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $11.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $4.7M |
| Amount of Financial Standby Letters of Credit Conveyed to Others | RCON3820 | $2.3M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $2.3M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $428K |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $180K |
Schedule RC-M: Memoranda (9 items)
About Schedule RC-M · The Farmers & Merchants State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $86.1M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $82.4M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $82.4M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $5.6M |
| Mortgage Servicing Assets | RCON3164 | $5.1M |
| All other intangible assets | RCONJF76 | $3.4M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $3.1M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $2.4M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (23 items)
About Schedule RC-N · The Farmers & Merchants State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $7.4M |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $5.2M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $4.5M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $4.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $2.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.1M |
| Additions to Nonaccrual Assets | RCONC410 | $1.3M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $615K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $340K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $328K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $274K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $255K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $255K |
| All Other Loans - Nonaccrual | RCON5461 | $116K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $116K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $82K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $77K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $72K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $61K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $55K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $37K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $24K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $11K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · The Farmers & Merchants State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $3.53B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $2.88B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.93B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $889.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $324.8M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $318.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $56.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $6.9M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 103,316 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 2,483 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,149 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 17 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $16.8M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $15.4M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $2.1M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $500K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases Held for Investment - Level 2 Fair Value Measurements | RCONG491 | $546K |
| Loans and Leases Held for Investment - Total Fair Value Reported on Schedule Rc | RCONG488 | $546K |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $441.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $440.9M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $309.6M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $309.1M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $130.3M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $130.3M |
| Available-for-sale Securities - Level 3 Fair Value Measurements | RCONG477 | $1.4M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG506 | $1.4M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $428K |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $428K |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $428K |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $428K |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $428K |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $428K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · The Farmers & Merchants State Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $2.74B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · The Farmers & Merchants State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $3.53B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $3.44B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $2.74B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $400.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $354.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $325.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $325.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $325.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $213.5M |
| Retained Earnings | RCOAKW00 | $201.3M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $89.7M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $86.4M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $29.1M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $29.1M |
| Tier 2 Capital Before Deductions | RCOAP870 | $29.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$13.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$13.9M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $3.4M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1291 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1184 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1184 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0944 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0491 |
Schedule RC-R, Part II: Risk-Weighted Assets (69 items)
About Schedule RC-R, Part II · The Farmers & Merchants State Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $2.74B |
| Total Risk-weighted Assets | RCONG641 | $2.74B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $2.31B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $2.31B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $2.23B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $2.11B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $2.10B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $556.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $551.7M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $551.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $542.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $446.3M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $446.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $440.9M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $332.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $275.8M |
| Unconditionally Cancellable Commitments | RCONS540 | $263.0M |
| Total All Other Assets | RCOND981 | $221.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $167.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $166.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $147.5M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $118.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $111.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $107.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $102.0M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $89.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $89.3M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $57.0M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $55.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $55.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $50.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $50.0M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $45.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $44.2M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $38.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $38.0M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $38.0M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $38.0M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$17.6M |
| Repo-style Transactions - 100 Pct Risk Weight Category | RCONS522 | $14.8M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $14.8M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $14.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $14.7M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $12.7M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $11.7M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $5.9M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $5.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $5.2M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $5.1M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $5.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $5.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $4.8M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $4.8M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $3.5M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $2.4M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $2.3M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $2.3M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $2.3M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $2.1M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $2.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $1.7M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $1.3M |
| Loans and Leases Held for Sale, All Other Exposures - 50 Pct Risk Weight Category | RCONS435 | $882K |
| Total Loans and Leases Held for Sale, All Other Exposures | RCONS431 | $882K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $794K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $511K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $511K |
| Over-the-counter Derivatives - 0 Pct Risk Weight Category | RCONS543 | $250K |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $250K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $521.8M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $363.9M |
| Outstanding Principal Balance of Assets Serviced for Others Including Participations Serviced for Others: 1-4 Family Residential Mortgage Serviced for Others That Are in the Process of Foreclosure at Quarter-end (Includes Closed-end and Open-end Loans) | RCONF699 | $153K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $400.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $392.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $392.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $12.0M |
| Other Comprehensive Income | RIADB511 | -$2.1M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (13 items)
About Schedule RI-B, Part I · The Farmers & Merchants State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $407K |
| Charge-offs on Automobile Loans | RIADK129 | $204K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $185K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $161K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $70K |
| Recoveries on All Other Loans | RIAD4628 | $52K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $52K |
| Recoveries on Automobile Loans | RIADK133 | $51K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $39K |
| Recoveries on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3589 | $5K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $4K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $3K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · The Farmers & Merchants State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $27.9M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $27.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $407K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $154K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $2.70B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $1.42B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $604.7M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $524.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $107.0M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $50.2M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $27.9M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $15.1M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $4.9M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $4.9M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.9M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $1.1M |
Schedule RI-E: Explanations (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $2.9M |
| Data Processing Expenses | RIADC017 | $1.8M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $1.3M |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $1.1M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $877K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $848K |
| Marketing and Other Professional Services | RIAD0497 | $835K |
| Accounting and Auditing Expenses | RIADF556 | $641K |
| Consulting and Advisory Expense | RIADF557 | $543K |
| Directors' Fees | RIAD4136 | $354K |
| Telecommunications Expense | RIADF559 | $328K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $260K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $218K |
| Legal Expense | RIAD4141 | $159K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $137K |
| Printing, Stationery, and Supplies | RIADC018 | $84K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $33K |
| Safe Deposit Box Rent | RIADC015 | $27K |
The Farmers & Merchants State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Farmers & Merchants State Bank call report?
The The Farmers & Merchants State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Farmers & Merchants State Bank file?
The Farmers & Merchants State Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The Farmers & Merchants State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Farmers & Merchants State Bank has Federal Reserve RSSD ID 214414 and FDIC certificate number 5969. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Farmers & Merchants State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Farmers & Merchants State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 5969) · FFIEC NIC profile (RSSD 214414)