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.
Reserve coverage of non-performing loans climbed 7.75 percentage points in Q2 2026, from 138.54% to 146.29%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Farmers and Merchants Bank is 30th of 138 on return on assets, 1.87% as of Q2 2026, above the middle of the field. Farmers and Merchants Bank reported 1.87% on return on assets for Q2 2026, 0.62 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.84% |
| Tier 1 risk-based capital ratio | 13.84% |
| Total risk-based capital ratio | 14.97% |
| Tier 1 leverage ratio | 11.08% |
| Equity capital to assets | 11.03% |
| Tangible equity to tangible assets | 10.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.74% |
| Non-performing assets ratio | 0.61% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.76% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 146.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.87% |
| Return on equity | 16.64% |
| Net interest margin | 3.30% |
| Efficiency ratio | 38.04% |
| Yield on earning assets | 6.28% |
| Cost of funds | 3.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.32% |
| Core deposits to total deposits | 65.48% |
| Brokered deposits to total deposits | 19.88% |
| Deposits to assets | 76.66% |
| Securities to assets | 0.03% |
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 | 16.24% | 16.24% | 17.23% | 12.93% | 2.27% |
| Q4 2023 | 15.85% | 15.85% | 16.80% | 12.68% | 2.61% |
| Q1 2024 | 16.65% | 16.65% | 17.68% | 12.78% | 2.18% |
| Q2 2024 | 15.73% | 15.73% | 16.80% | 12.18% | 1.92% |
| Q3 2024 | 15.02% | 15.02% | 16.05% | 11.72% | 1.81% |
| Q4 2024 | 15.07% | 15.07% | 16.13% | 11.54% | 1.58% |
| Q1 2025 | 15.84% | 15.84% | 16.96% | 12.21% | 1.47% |
| Q2 2025 | 14.89% | 14.89% | 16.03% | 11.84% | 1.48% |
| Q3 2025 | 13.84% | 13.84% | 14.90% | 11.65% | 1.84% |
| Q4 2025 | 13.43% | 13.43% | 14.46% | 11.70% | 1.78% |
| Q1 2026 | 14.12% | 14.12% | 15.22% | 11.56% | 1.69% |
| Q2 2026 | 13.84% | 13.84% | 14.97% | 11.08% | 1.87% |
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 14275) · FFIEC NIC profile (RSSD 516154)