Farmers and Merchants Bank
Capital moved notably last quarter — CET1 ratio of 23.60% was up 141bps from the prior quarter. Farmers and Merchants Bank is the primary bank subsidiary of its parent holding company, headquartered in Milford, NE. On its most recent Q1 2026 call report, Farmers and Merchants reported $1.0B in total assets against $878M in deposits. Profitability tracks the broader industry — ROA 0.88%, ROE 10.53%, NIM 2.19%. Capital is comfortably above regulatory minimums — CET1 ratio of 23.60% sits well above the 7% well-capitalized threshold. Credit metrics are pristine, with nonperforming loans at just 0.00%. Farmers and Merchants operates a 12-branch network.
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
- Fed District
- 11
- Established
- July 5, 1949
- Branches
- 12 domestic
- Employees (FTE)
- 60
- FDIC Cert
- 16810
- Fed RSSD
- 455552
- Website
- www.bankfmb.com →
- Parent Holding Company
- COUNTRY BANK SHARES, INC. (RSSD 1416831)
Capital & Liquidity
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Farmers and Merchants Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in FDIC Assisted MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 13 events.
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Frequently asked about Farmers and Merchants Bank
What are Farmers and Merchants Bank's total assets?
As of the Q1 2026 filing, Farmers and Merchants Bank reported total assets of $1.04 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 23.60% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Farmers and Merchants Bank operate?
Farmers and Merchants Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers and Merchants Bank's Texas Ratio?
Farmers and Merchants Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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