BanksFARMERS AND MERCHANTS STATE BANK, BLOOMFIELD, NEBRASKA

FARMERS AND MERCHANTS STATE BANK, BLOOMFIELD, NEBRASKA

BLOOMFIELD, NESmallEst. Jan. 1, 1895, midnightFDIC #13662RSSD #411651FDIC
Latest · 2025-12-31

FARMERS AND MERCHANTS STATE BANK, BLOOMFIELD, NEBRASKA is an 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%. CET1 capital ratio: 14.60%, well above regulatory minimums. NPL ratio: 0.05% · Texas Ratio: 0.30%. Operates 6 domestic branches.

Assets
$219M
Deposits
$187M
Loans
$146M
Equity
$20M

Profitability

Return on Assets (ROA)1.65%
Return on Equity (ROE)17.63%
Net Interest Margin4.20%
Yield on Assets5.99%
Cost of Funds1.82%

Asset Quality

NPL Ratio0.05%
Net Charge-Off Ratio0.01%
Texas Ratio0.30%
NPA Ratio0.03%
ACL / Loans1.12%

Capital & Liquidity

CET1 Ratio14.60%
Tier 1 Capital14.60%
Total Capital Ratio15.79%
Leverage Ratio9.60%
Loan-to-Deposit78.00%

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