Farmers and Merchants Bank (Milford, NE): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants Bank, based in Milford, Nebraska, reported $1.1 billion in assets at June 30, 2026, up 8.4% from a year earlier. It keeps 2.17 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds common equity equal to 21.26% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 13.52%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $72 million equal 66% of Tier 1 capital, down from 85% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 1.4% and deposits rose 7.0%. Profitability lags: it earns about $0.91 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Farmers and Merchants Bank reported a CET1 capital ratio of 21.26%, a return on assets of 0.91%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 617 1st St, Milford, NE 68405
- County
- Seward
- Metro Area
- Lincoln, NE
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 5, 1949
- Offices
- 12 domestic
- Employees (FTE)
- 60
- Domestic deposits
- $885.6M
- Allowance for credit losses
- $966K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $1.04B
- Average total loans
- $233.2M
- Average interest-bearing deposits
- $820.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 5, 1949
- FDIC Cert
- 16810
- Fed RSSD
- 455552
- SEC CIK
- 1594956 → filed by COUNTRY BANK SHARES, INC.
- Website
- www.bankfmb.com →
- Parent Holding Company
- COUNTRY BANK SHARES, INC. (RSSD 1416831)
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.
No provision recorded in the last 12 quarters.
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 Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Farmers and Merchants Bank, freeFarmers and Merchants Bank 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 | 21.26% | 0.91% | 0.00% | 0.00% | 2.17% |
| Q1 2026 | 23.60% | 0.88% | 0.00% | 0.00% | 2.19% |
| Q4 2025 | 22.19% | 0.73% | 0.00% | 0.00% | 2.41% |
| Q3 2025 | 21.59% | 0.88% | 0.03% | 0.11% | 2.14% |
| Q2 2025 | 22.13% | 1.00% | 0.00% | 0.00% | 2.24% |
| Q1 2025 | 20.28% | 0.92% | 0.00% | 0.00% | 2.30% |
| Q4 2024 | 21.24% | 0.90% | 0.00% | 0.00% | 2.38% |
| Q3 2024 | 20.82% | 0.56% | 0.08% | 0.31% | 2.10% |
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 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Merchants Bank (main office) | Milford , NE | 68405 | $614.0M |
| Kearney Branch | Kearney , NE | 68847 | $53.8M |
| Weeping Water Branch | Weeping Water , NE | 68463 | $34.7M |
| Wilber Branch | Wilber , NE | 68465 | $32.7M |
| Superior Branch | Superior , NE | 68978 | $29.6M |
| Ericson State Bank Branch | Ericson , NE | 68637 | $28.7M |
| Lawrence Branch | Lawrence , NE | 68957 | $27.1M |
| Jansen Branch | Jansen , NE | 68377 | $20.4M |
| Palmyra Branch | Palmyra , NE | 68418 | $18.0M |
| Beaver Crossing Branch | Beaver Crossing , NE | 68313 | $14.9M |
| Panama Branch | Panama , NE | 68419 | $6.7M |
| Firth Branch | Firth , NE | 68358 | $5.0M |
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 |
|---|---|---|---|
| February 15, 2020 | Structure Change | Acquired Ericson State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 14, 2020 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 19, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 2008 | Structure Change | Acquired Kearney State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 9, 1998 | Structure Change | Acquired Security National Bank of Superior Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 8, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 1995 | Structure Change | Acquired The Bank of Wilber Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 1992 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 1992 | Structure Change | Acquired Home State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 19, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 14, 1984 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 13 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Farmers and Merchants Bank, 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
- 0.9% of deposits in NE, rank 21 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 34 applications, 25 loans originated, $4.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $194K approved, $194K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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.
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Frequently asked about Farmers and Merchants Bank
What are Farmers and Merchants Bank's total assets?
As of the Q2 2026 filing, Farmers and Merchants Bank reported total assets of $1.05 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers and Merchants Bank headquartered?
Farmers and Merchants Bank is headquartered in Milford, NE, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Farmers and Merchants Bank founded?
Farmers and Merchants Bank was established in 1949, per the FDIC institution directory.
Is Farmers and Merchants Bank FDIC-insured?
Yes. Farmers and Merchants Bank is an FDIC-insured commercial bank (FDIC Certificate #16810). 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 Bank?
Farmers and Merchants Bank'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 Bank's CET1 capital ratio?
Farmers and Merchants Bank reported a Common Equity Tier 1 (CET1) capital ratio of 21.26% 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 Bank operate?
Farmers and Merchants Bank operates 12 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 Bank's Texas Ratio?
Farmers and Merchants Bank's Texas Ratio is 0.00% 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.
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