Farmers and Merchants Bank of Ashland: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.73 percentage points lower than in Q1 2026, at 90.28%. Farmers and Merchants Bank of Ashland ranks 74th of 138 Nebraska banks on return on assets, in the lower half at 1.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers and Merchants Bank of Ashland sits 0.09 points higher, at 1.34% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.00% |
| Equity capital to assets | 9.60% |
| Tangible equity to tangible assets | 9.60% |
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 | 3.04% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.34% |
| Return on equity | 13.95% |
| Net interest margin | 4.20% |
| Efficiency ratio | 53.99% |
| Yield on earning assets | 6.08% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.28% |
| Core deposits to total deposits | 85.84% |
| Brokered deposits to total deposits | 4.05% |
| Deposits to assets | 84.12% |
| Securities to assets | 8.74% |
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 | 12.88% | 12.88% | 14.12% | 8.84% | 0.80% |
| Q4 2023 | 13.74% | 13.74% | 14.99% | 8.71% | 0.53% |
| Q1 2024 | 13.02% | 13.02% | 14.23% | 8.66% | 0.71% |
| Q2 2024 | 12.85% | 12.85% | 14.10% | 8.60% | 0.55% |
| Q3 2024 | 12.88% | 12.88% | 14.12% | 8.40% | 0.41% |
| Q4 2024 | 13.08% | 13.08% | 14.32% | 8.42% | 0.57% |
| Q1 2025 | 13.59% | 13.59% | 14.84% | 8.34% | 1.11% |
| Q2 2025 | — | — | — | 9.63% | 0.74% |
| Q3 2025 | — | — | — | 9.92% | 1.08% |
| Q4 2025 | — | — | — | 9.66% | 1.40% |
| Q1 2026 | — | — | — | 9.89% | 1.32% |
| Q2 2026 | — | — | — | 10.00% | 1.34% |
Farmers and Merchants Bank of Ashland vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank of Ashland, 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 of Ashland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5377) · FFIEC NIC profile (RSSD 398051)