BanksFARMERS AND MERCHANTS BANK

FARMERS AND MERCHANTS BANK

MILFORD, NEMediumEst. July 5, 1949, midnightFDIC #16810RSSD #455552FDIC
Latest · 2025-12-31

FARMERS AND MERCHANTS BANK is an 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%. CET1 capital ratio: 22.19%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 12 domestic branches.

Assets
$988M
Deposits
$827M
Loans
$246M
Equity
$84M

Profitability

Return on Assets (ROA)0.72%
Return on Equity (ROE)8.57%
Net Interest Margin2.45%
Yield on Assets4.69%
Cost of Funds2.34%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.39%

Capital & Liquidity

CET1 Ratio22.19%
Tier 1 Capital22.19%
Total Capital Ratio22.40%
Leverage Ratio11.15%
Loan-to-Deposit29.77%

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