FARMERS AND MERCHANTS BANK

MILFORD, NE | Medium | Est. July 5, 1949, midnight | FDIC #16810 | RSSD #455552 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS BANK is amn medium FDIC-insured commercial bank headquartered in MILFORD, NE, established in July 5, 1949, midnight. As of 2025-12-31, the bank reported total assets of $988M and total deposits of $827M. Profitability stands at 0.72% ROA and 8.57% ROE, with a net interest margin of 2.45%. The bank's CET1 capital ratio is 22.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #16810.

Assets

$988M

Deposits

$827M

Loans

$246M

Equity

$84M

Profitability

Return on Assets (ROA) 0.72%
Return on Equity (ROE) 8.57%
Net Interest Margin (NIM) 2.45%
Yield on Assets 4.69%
Cost of Funds 2.34%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.39%

Capital & Liquidity

CET1 Ratio 22.19%
Tier 1 Capital 22.19%
Total Capital Ratio 22.40%
Leverage Ratio 11.15%
Loan-to-Deposit 29.77%

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