BanksFARMERS AND MERCHANTS BANK

FARMERS AND MERCHANTS BANK

MILLIGAN, NESmallEst. June 10, 1903, midnightFDIC #14275RSSD #516154FDIC
Latest · 2025-12-31

FARMERS AND MERCHANTS BANK is an 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%. CET1 capital ratio: 13.43%, well above regulatory minimums. NPL ratio: 0.11% · Texas Ratio: 0.79%. Operates 2 domestic branches.

Assets
$205M
Deposits
$155M
Loans
$181M
Equity
$23M

Profitability

Return on Assets (ROA)1.77%
Return on Equity (ROE)15.41%
Net Interest Margin3.72%
Yield on Assets6.88%
Cost of Funds3.30%

Asset Quality

NPL Ratio0.11%
Net Charge-Off Ratio0.00%
Texas Ratio0.79%
NPA Ratio0.10%
ACL / Loans0.99%

Capital & Liquidity

CET1 Ratio13.43%
Tier 1 Capital13.43%
Total Capital Ratio14.46%
Leverage Ratio11.70%
Loan-to-Deposit116.69%

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