Farmers and Merchants Bank of Ashland
BankRegReports is independent of Farmers and Merchants Bank of Ashland and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants Bank of Ashland is an FDIC-insured commercial bank headquartered in Ashland, NE, supervised by the Federal Reserve, with $152.2M in total assets at Q2 2026, up 10.5% from Q2 2025, the 89th largest of 138 banks headquartered in Nebraska. It was established in 1883 and holds FDIC certificate 5377. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5377
- Headquarters
- Ashland, NE
- Established
- 1883
- Total assets, Q2 2026
- $152.2M
- Assets vs Q2 2025
- +10.5%
- Tier 1 leverage ratio, Q2 2026
- 10.00%
- Domestic offices
- 4 · Farmers and Merchants Bank of Ashland branches FDIC institution directory, current count
- Routing number
- 104901911
- Safety and soundness
- Is Farmers and Merchants Bank of Ashland safe?
- Latest call report
- Q2 2026, FFIEC 041 · Farmers and Merchants Bank of Ashland Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- FARMERS AND MERCHANTS FINANCIAL CORPORATION
- Asset rank in state
- 89th of 138 in Nebraska
Problem loans are rising at Farmers and Merchants Bank of Ashland. Its balance sheet stood at $152 million at June 30, 2026, up 10.5% from a year earlier; it is based in Ashland, Nebraska. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.42% of loans from 0.00% a year earlier. It grew deposits 11.3% over the year, about triple the median of 4.1% for the 2,627 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $500,000, 94% above the same quarter a year earlier. Over the same year, loans grew 5.3% and deposits grew 11.3%.
As of June 30, 2026, Farmers and Merchants Bank of Ashland reported a return on assets of 1.34%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 3.04%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Farmers and Merchants Bank of Ashland is the 89th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.1% to $152.2M, loans fell 0.8% and deposits rose 4.4%. 1-4 family residential loans made up 44.0% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 10.3%. The FDIC Summary of Deposits lists 4 offices for it, in Ashland, NE. Judged on its Q2 2026 call report, Farmers and Merchants Bank of Ashland meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1501 Silver St, Ashland, NE 68003
- County
- Saunders
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 15, 1883
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $128.0M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $149.1M
- Average total loans
- $114.7M
- Average interest-bearing deposits
- $96.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5377
- Fed RSSD
- 398051
- Website
- www.fmnb.com →
- Parent Holding Company
- FARMERS AND MERCHANTS FINANCIAL CORPORATION (RSSD 3446748)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Farmers and Merchants Bank of Ashland reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Farmers and Merchants Bank of Ashland's total assets ranged from $123.4M (Q3 2023) to $152.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$152.2M total assets against $137.7M; $137.6M total liabilities against $124.8M.
$114.4M net loans and leases against $108.6M; $128.0M total deposits against $115.0M.
$13.3M securities against $14.2M; $13.8M cash and balances due against $4.8M.
$2.1M total interest income against $1.9M; $652K total interest expense against $696K.
$1.4M net interest income against $1.2M.
$64K total noninterest income against $66K; $820K total noninterest expense against $926K.
$0 provision for credit losses against $30K.
$500K net income against $258K.
1.34% return on assets against 0.74%; 4.20% net interest margin against 3.77%.
10.00% tier 1 leverage ratio against 9.63%.
Inside the full Farmers and Merchants Bank of Ashland terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers and Merchants Bank of Ashland rankings
Its closest position to the top of a national ranking is 1,154 of 3,606, for efficiency ratio; its furthest is 3,279 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.41% (Q3 2024) to 1.40% (Q4 2025) and its net interest margin ran from 3.46% (Q1 2025) to 4.26% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.00% | 1.34% | 0.42% | 3.04% | 4.20% |
| Q1 2026 | 9.89% | 1.32% | 0.00% | 0.00% | 4.14% |
| Q4 2025 | 9.66% | 1.40% | 0.07% | 0.55% | 4.26% |
| Q3 2025 | 9.92% | 1.08% | 0.00% | 0.01% | 4.02% |
| Q2 2025 | 9.63% | 0.74% | 0.00% | 0.00% | 3.77% |
| Q1 2025 | 8.34% | 1.11% | 0.00% | 0.00% | 3.46% |
| Q4 2024 | 8.42% | 0.57% | 0.00% | 0.00% | 3.72% |
| Q3 2024 | 8.40% | 0.41% | 0.00% | 0.00% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Merchants Bank of Ashland (main office) | Ashland , NE | 68003 | $128.0M |
| Ashland Drive-Up Facility | Ashland , NE | 68003 | $0 |
| Highway 6 Branch | Ashland , NE | 68003 | $0 |
| Www.Fmnb.Com Branch | Ashland , NE | 68003 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- April 26, 2016, Federal Reserve: Civil Money Penalty, $6,200: Farmers & Merchants Bank of Ashland, Ashland, Nebraska
- Period: Most recent institution action April 26, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in NE, rank 99 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 51 applications, 43 loans originated, $11.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $139K approved, $139K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Farmers and Merchants Bank of Ashland’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Farmers and Merchants Bank of Ashland
What are Farmers and Merchants Bank of Ashland's total assets?
As of the Q2 2026 filing, Farmers and Merchants Bank of Ashland reported total assets of $152.2 million in its FFIEC call report.
Where is Farmers and Merchants Bank of Ashland headquartered?
It is headquartered in Ashland, NE, United States.
When was Farmers and Merchants Bank of Ashland founded?
It was established in 1883, per the FDIC institution directory.
Is Farmers and Merchants Bank of Ashland FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5377). 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 of Ashland?
Farmers and Merchants Bank of Ashland's primary federal regulator is the Federal Reserve.
How many branches does Farmers and Merchants Bank of Ashland operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers and Merchants Bank of Ashland's Texas Ratio?
Its Texas Ratio is 3.04% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Farmers and Merchants Bank of Ashland.
Get an email when Farmers and Merchants Bank of Ashland files its next call report, and benchmark it against any peer you choose.
Unlock Farmers and Merchants Bank of Ashland, freeFree account