FARMERS & MERCHANTS BANK OF COLBY

COLBY, KS | Medium | Est. March 13, 1998, midnight | FDIC #34719 | RSSD #2667939 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS BANK OF COLBY is amn medium FDIC-insured commercial bank headquartered in COLBY, KS, established in March 13, 1998, midnight. As of 2025-12-31, the bank reported total assets of $640M and total deposits of $504M. Profitability stands at 1.27% ROA and 11.40% ROE, with a net interest margin of 3.57%. The bank's CET1 capital ratio is 9.58%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #34719.

Assets

$640M

Deposits

$504M

Loans

$460M

Equity

$69M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 11.40%
Net Interest Margin (NIM) 3.57%
Yield on Assets 6.55%
Cost of Funds 3.14%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.08%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 9.58%
Tier 1 Capital 9.58%
Total Capital Ratio 10.06%
Leverage Ratio 11.01%
Loan-to-Deposit 91.24%

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