Farmers and Merchants Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Total risk-based capital ratio dropped 2.36 percentage points in Q2 2026, from 23.81% to 21.45%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Farmers and Merchants Bank is 113th of 138 on return on assets, 0.91% as of Q2 2026, below the middle of the field. Farmers and Merchants Bank reported 0.91% on return on assets for Q2 2026, 0.37 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.26% |
| Tier 1 risk-based capital ratio | 21.26% |
| Total risk-based capital ratio | 21.45% |
| Tier 1 leverage ratio | 10.64% |
| Equity capital to assets | 8.35% |
| Tangible equity to tangible assets | 7.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.41% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.91% |
| Return on equity | 10.97% |
| Net interest margin | 2.17% |
| Efficiency ratio | 51.81% |
| Yield on earning assets | 4.30% |
| Cost of funds | 2.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 26.29% |
| Core deposits to total deposits | 35.59% |
| Brokered deposits to total deposits | 59.79% |
| Deposits to assets | 83.98% |
| Securities to assets | 65.77% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.24% | 20.24% | 20.52% | 10.37% | 0.89% |
| Q4 2023 | 22.85% | 22.85% | 23.16% | 10.76% | 0.97% |
| Q1 2024 | 21.41% | 21.41% | 21.72% | 10.10% | 0.79% |
| Q2 2024 | 21.26% | 21.26% | 21.56% | 9.96% | 0.69% |
| Q3 2024 | 20.82% | 20.82% | 21.11% | 10.05% | 0.56% |
| Q4 2024 | 21.24% | 21.24% | 21.44% | 10.97% | 0.90% |
| Q1 2025 | 20.28% | 20.28% | 20.48% | 9.49% | 0.92% |
| Q2 2025 | 22.13% | 22.13% | 22.34% | 10.73% | 1.00% |
| Q3 2025 | 21.59% | 21.59% | 21.80% | 11.01% | 0.88% |
| Q4 2025 | 22.19% | 22.19% | 22.40% | 11.15% | 0.73% |
| Q1 2026 | 23.60% | 23.60% | 23.81% | 10.74% | 0.88% |
| Q2 2026 | 21.26% | 21.26% | 21.45% | 10.64% | 0.91% |
Farmers and Merchants Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16810) · FFIEC NIC profile (RSSD 455552)