FARMERS AND MERCHANTS STATE BANK, BLOOMFIELD, NEBRASKA

BLOOMFIELD, NE | Small | Est. Jan. 1, 1895, midnight | FDIC #13662 | RSSD #411651 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS STATE BANK, BLOOMFIELD, NEBRASKA is asn small FDIC-insured commercial bank headquartered in BLOOMFIELD, NE, established in Jan. 1, 1895, midnight. As of 2025-12-31, the bank reported total assets of $219M and total deposits of $187M. Profitability stands at 1.65% ROA and 17.63% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 14.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.30%. FDIC Certificate #13662. The institution operates 1 domestic branch.

Assets

$219M

Deposits

$187M

Loans

$146M

Equity

$20M

Profitability

Return on Assets (ROA) 1.65%
Return on Equity (ROE) 17.63%
Net Interest Margin (NIM) 4.20%
Yield on Assets 5.99%
Cost of Funds 1.82%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.30%
NPA Ratio 0.03%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 14.60%
Tier 1 Capital 14.60%
Total Capital Ratio 15.79%
Leverage Ratio 9.60%
Loan-to-Deposit 78.00%

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