Farmers and Merchants State Bank, Bloomfield, Nebraska
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Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants State Bank, Bloomfield, Nebraska is an FDIC-insured commercial bank headquartered in Bloomfield, NE, supervised by the FDIC, with $232.9M in total assets at Q2 2026, up 9.2% from Q2 2025, the 73rd largest of 138 banks headquartered in Nebraska. It was established in 1895 and holds FDIC certificate 13662. Its CET1 capital ratio was 17.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13662
- Headquarters
- Bloomfield, NE
- Established
- 1895
- Total assets, Q2 2026
- $232.9M
- Assets vs Q2 2025
- +9.2%
- CET1 ratio, Q2 2026
- 17.01%
- Domestic offices
- 6 · Farmers and Merchants State Bank, Bloomfield, Nebraska branches FDIC institution directory, current count
- Routing number
- 104102095
- Safety and soundness
- Is Farmers and Merchants State Bank, Bloomfield, Nebraska safe?
- Latest call report
- Q2 2026, FFIEC 051 · Farmers and Merchants State Bank, Bloomfield, Nebraska Q3 2026 call report, filed October 16, 2026 (preliminary)
- Holding company
- LAURITZEN INVESTMENTS, INCORPORATED
- Asset rank in state
- 73rd of 138 in Nebraska
Farmers and Merchants State Bank, Bloomfield, Nebraska runs leaner than most banks of its size. Its balance sheet stood at $233 million at June 30, 2026, up 9.2% from a year earlier; it is based in Bloomfield, Nebraska. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also shrank its loan book 3.9% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 3.9% and deposits rose 9.8%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.07% of loans from 0.78%. Where it has less room is capital: it funds 9.45% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Farmers and Merchants State Bank, Bloomfield, Nebraska reported a CET1 capital ratio of 17.01%, a return on assets of 1.76%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.40%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Farmers and Merchants State Bank, Bloomfield, Nebraska is the 73rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.4% to $232.9M, loans fell 2.8% and deposits rose 3.4%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 48.9% of total loans, ahead of farmland and other real estate loans at 31.5%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities across 2 states; its Bloomfield office books 35% of its branch deposits. On its Q2 2026 call report, Farmers and Merchants State Bank, Bloomfield, Nebraska meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 103 N Broadway St, Bloomfield, NE 68718
- County
- Knox
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1895
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $209.7M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $231.5M
- Average total loans
- $132.2M
- Average interest-bearing deposits
- $173.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 17, 1934
- FDIC Cert
- 13662
- Fed RSSD
- 411651
- Website
- www.fandmstatebank.com →
- Parent Holding Company
- LAURITZEN INVESTMENTS, INCORPORATED (RSSD 2911931)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Farmers and Merchants State Bank, Bloomfield, Nebraska's total assets ranged from $183.4M (Q3 2024) to $232.9M (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
$232.9M total assets against $213.2M; $211.1M total liabilities against $192.6M.
$130.2M net loans and leases against $135.6M; $209.7M total deposits against $191.0M.
$81.1M securities against $58.1M; $15.9M cash and balances due against $13.8M.
$3.0M total interest income against $2.9M; $905K total interest expense against $895K.
$2.1M net interest income against $2.0M.
$118K total noninterest income against $126K; $972K total noninterest expense against $936K.
$0 provision for credit losses against $10K.
$1.0M net income against $934K.
1.76% return on assets against 1.79%; 3.76% net interest margin against 3.94%.
17.01% CET1 capital ratio against 15.66%; 9.45% tier 1 leverage ratio against 9.68%.
Inside the full Farmers and Merchants State Bank, Bloomfield, Nebraska terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers and Merchants State Bank, Bloomfield, Nebraska rankings
Its closest position to the top of a national ranking is 350 of 3,606, for efficiency ratio; its furthest is 3,024 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.47% (Q4 2024) to 1.79% (Q2 2025) and its net interest margin ran from 3.66% (Q1 2026) to 4.24% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.01% | 1.76% | 0.07% | 0.40% | 3.76% |
| Q1 2026 | 15.59% | 1.49% | 0.05% | 0.29% | 3.66% |
| Q4 2025 | 14.60% | 1.68% | 0.05% | 0.30% | 4.12% |
| Q3 2025 | 14.70% | 1.75% | 0.07% | 0.46% | 4.13% |
| Q2 2025 | 15.66% | 1.79% | 0.78% | 4.85% | 3.94% |
| Q1 2025 | 14.78% | 1.57% | 0.09% | 0.57% | 3.76% |
| Q4 2024 | 13.68% | 1.47% | 0.05% | 0.33% | 4.09% |
| Q3 2024 | 13.84% | 1.76% | 0.24% | 1.63% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 State Bank, Bloomfield, Nebraska (main office) | Bloomfield , NE | 68718 | $74.1M |
| Crofton Branch | Crofton , NE | 68730 | $48.7M |
| Niobrara Branch | Niobrara , NE | 68760 | $47.6M |
| Hartington Branch | Hartington , NE | 68739 | $22.5M |
| Yankton Branch | Yankton , SD | 57078 | $12.2M |
| Center Branch | Center , NE | 68724 | $4.5M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| December 4, 1987 | Structure Change | Acquired Crofton State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 3, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 1983 | Structure Change | Acquired Bank of Niobrara Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 8, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 80 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers and Merchants State Bank, Bloomfield, Nebraska
What are Farmers and Merchants State Bank, Bloomfield, Nebraska's total assets?
As of the Q2 2026 filing, Farmers and Merchants State Bank, Bloomfield, Nebraska reported total assets of $232.9 million in its FFIEC call report.
Where is Farmers and Merchants State Bank, Bloomfield, Nebraska headquartered?
It is headquartered in Bloomfield, NE, United States.
When was Farmers and Merchants State Bank, Bloomfield, Nebraska founded?
It was established in 1895, per the FDIC institution directory.
Is Farmers and Merchants State Bank, Bloomfield, Nebraska FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13662). 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 State Bank, Bloomfield, Nebraska?
Farmers and Merchants State Bank, Bloomfield, Nebraska's primary federal regulator is the FDIC.
What is Farmers and Merchants State Bank, Bloomfield, Nebraska's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers and Merchants State Bank, Bloomfield, Nebraska operate?
It operates 6 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 State Bank, Bloomfield, Nebraska's Texas Ratio?
Its Texas Ratio is 0.40% 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.
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