FARMERS AND MERCHANTS BANK OF ASHLAND

Latest Report: 2025-12-31

FARMERS AND MERCHANTS BANK OF ASHLAND is asn small FDIC-insured commercial bank headquartered in ASHLAND, NE, established in Nov. 15, 1883, midnight. As of 2025-12-31, the bank reported total assets of $144M and total deposits of $120M. Profitability stands at 1.41% ROA and 14.97% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 9.42%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #5377.

Assets

$144M

Deposits

$120M

Loans

$118M

Equity

$14M

Profitability

Return on Assets (ROA) 1.41%

Return on Equity (ROE) 14.97%

Net Interest Margin (NIM) 4.30%

Yield on Assets 6.28%

Cost of Funds 2.06%

Asset Quality

NPL Ratio 0.00%

Net Charge-Off Ratio 0.00%

Texas Ratio 0.00%

NPA Ratio 0.00%

ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 9.42%

Tier 1 Capital 9.42%

Total Capital Ratio 9.89%

Leverage Ratio 9.66%

Loan-to-Deposit 98.04%

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