FARMERS AND MERCHANTS BANK

MILLIGAN, NE | Small | Est. June 10, 1903, midnight | FDIC #14275 | RSSD #516154 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS BANK is asn small FDIC-insured commercial bank headquartered in MILLIGAN, NE, established in June 10, 1903, midnight. As of 2025-12-31, the bank reported total assets of $205M and total deposits of $155M. Profitability stands at 1.77% ROA and 15.41% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 13.43%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.79%. FDIC Certificate #14275.

Assets

$205M

Deposits

$155M

Loans

$181M

Equity

$23M

Profitability

Return on Assets (ROA) 1.77%
Return on Equity (ROE) 15.41%
Net Interest Margin (NIM) 3.72%
Yield on Assets 6.88%
Cost of Funds 3.30%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.79%
NPA Ratio 0.10%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 13.43%
Tier 1 Capital 13.43%
Total Capital Ratio 14.46%
Leverage Ratio 11.70%
Loan-to-Deposit 116.69%

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