Farmers and Merchants State Bank, Bloomfield, Nebraska: Financial Reports & UBPR Data
BankRegReports is independent of Farmers and Merchants State Bank, Bloomfield, Nebraska and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants State Bank, Bloomfield, Nebraska runs leaner than most banks of its size. Its balance sheet stood at $233 million at June 30, 2026, up 9.2% from a year earlier; it is based in Bloomfield, Nebraska. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also shrank its loan book 3.9% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 3.9% and deposits rose 9.8%. 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 0.07% of loans from 0.78%. Where it has less room is capital: it funds 9.45% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Farmers and Merchants State Bank, Bloomfield, Nebraska reported a CET1 capital ratio of 17.01%, a return on assets of 1.76%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.40%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 103 N Broadway St, Bloomfield, NE 68718
- County
- Knox
- 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
- January 1, 1895
- Offices
- 6 domestic
- Employees (FTE)
- 23
- Domestic deposits
- $209.7M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $231.5M
- Average total loans
- $132.2M
- Average interest-bearing deposits
- $173.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 17, 1934
- FDIC Cert
- 13662
- Fed RSSD
- 411651
- Website
- www.fandmstatebank.com →
- Parent Holding Company
- LAURITZEN INVESTMENTS, INCORPORATED (RSSD 2911931)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Farmers and Merchants State Bank, Bloomfield, Nebraska terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Farmers and Merchants State Bank, Bloomfield, Nebraska, freeFarmers and Merchants State Bank, Bloomfield, Nebraska rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.01% | 1.76% | 0.07% | 0.40% | 3.76% |
| Q1 2026 | 15.59% | 1.49% | 0.05% | 0.29% | 3.66% |
| Q4 2025 | 14.60% | 1.68% | 0.05% | 0.30% | 4.12% |
| Q3 2025 | 14.70% | 1.75% | 0.07% | 0.46% | 4.13% |
| Q2 2025 | 15.66% | 1.79% | 0.78% | 4.85% | 3.94% |
| Q1 2025 | 14.78% | 1.57% | 0.09% | 0.57% | 3.76% |
| Q4 2024 | 13.68% | 1.47% | 0.05% | 0.33% | 4.09% |
| Q3 2024 | 13.84% | 1.76% | 0.24% | 1.63% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Merchants State Bank, Bloomfield, Nebraska (main office) | Bloomfield , NE | 68718 | $74.1M |
| Crofton Branch | Crofton , NE | 68730 | $48.7M |
| Niobrara Branch | Niobrara , NE | 68760 | $47.6M |
| Hartington Branch | Hartington , NE | 68739 | $22.5M |
| Yankton Branch | Yankton , SD | 57078 | $12.2M |
| Center Branch | Center , NE | 68724 | $4.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 4, 1987 | Structure Change | Acquired Crofton State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 3, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 1983 | Structure Change | Acquired Bank of Niobrara Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 8, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Farmers and Merchants State Bank, Bloomfield, Nebraska, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in NE, rank 80 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Farmers and Merchants State Bank, Bloomfield, Nebraska’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Farmers and Merchants State Bank, Bloomfield, Nebraska with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Farmers and Merchants State Bank, Bloomfield, Nebraska
What are Farmers and Merchants State Bank, Bloomfield, Nebraska's total assets?
As of the Q2 2026 filing, Farmers and Merchants State Bank, Bloomfield, Nebraska reported total assets of $232.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers and Merchants State Bank, Bloomfield, Nebraska headquartered?
Farmers and Merchants State Bank, Bloomfield, Nebraska is headquartered in Bloomfield, NE, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Farmers and Merchants State Bank, Bloomfield, Nebraska founded?
Farmers and Merchants State Bank, Bloomfield, Nebraska was established in 1895, per the FDIC institution directory.
Is Farmers and Merchants State Bank, Bloomfield, Nebraska FDIC-insured?
Yes. Farmers and Merchants State Bank, Bloomfield, Nebraska is an FDIC-insured commercial bank (FDIC Certificate #13662). 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 State Bank, Bloomfield, Nebraska?
Farmers and Merchants State Bank, Bloomfield, Nebraska's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers and Merchants State Bank, Bloomfield, Nebraska's CET1 capital ratio?
Farmers and Merchants State Bank, Bloomfield, Nebraska reported a Common Equity Tier 1 (CET1) capital ratio of 17.01% 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 State Bank, Bloomfield, Nebraska operate?
Farmers and Merchants State Bank, Bloomfield, Nebraska operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers and Merchants State Bank, Bloomfield, Nebraska's Texas Ratio?
Farmers and Merchants State Bank, Bloomfield, Nebraska's Texas Ratio is 0.40% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Farmers and Merchants State Bank, Bloomfield, Nebraska.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Farmers and Merchants State Bank, Bloomfield, Nebraska, freeFree account