Farmers & Merchants Bank of Colby
Farmers & Merchants Bank of Colby is an FDIC-insured commercial bank headquartered in Colby, KS, supervised by the FDIC, with $689.0M in total assets at Q3 2026, up 15.4% from Q3 2025, the 28th largest of 182 banks headquartered in Kansas. It was established in 1998 and holds FDIC certificate 34719. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.40% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34719
- Headquarters
- Colby, KS
- Established
- 1998
- Total assets, Q3 2026
- $689.0M
- Assets vs Q3 2025
- +15.4%
- Tier 1 leverage ratio, Q3 2026
- 11.40%
- Domestic offices
- 5 branches
- Routing number
- 101114772
- Safety and soundness
- Is Farmers & Merchants Bank of Colby safe?
- Latest call report
- Q3 2026, FFIEC 051 · Farmers & Merchants Bank of Colby call report
- Holding company
- SECURITY BANCSHARES, INC.
- Asset rank in state
- 28th of 182 in Kansas
Farmers & Merchants Bank of Colby pays more for its money than most banks of its size. The Colby, Kansas bank had $689 million in assets at September 30, 2026, up 15.4% from a year earlier. It pays an average of 2.84% on its deposits and borrowings, higher than about 9 in 10 of the 2,624 banks with $100 million to $1 billion in assets (median 1.83%). It also grew deposits 19.7% over the year, 5.1 times the median of 3.8% for banks its size.
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 0.03% of loans from 1.25%. Deposits are coming in faster than loans: over the year loans rose 15.3% and deposits rose 19.7%.
As of September 30, 2026, Farmers & Merchants Bank of Colby reported a return on assets of 1.46%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, Farmers & Merchants Bank of Colby is the 28th largest of the 182 banks headquartered in Kansas. Between Q2 2026 and Q3 2026, its total assets rose 5.9% to $689.0M, loans rose 5.7% and deposits rose 7.9%. Agricultural production loans made up 28.3% of its total loans on September 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.1%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities across 2 states; its Colby 2 offices book 79% of its branch deposits. By the capital ratios in its Q3 2026 call report, Farmers & Merchants Bank of Colby meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 240 W 4th St, Colby, KS 67701
- County
- Thomas
- 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
- March 13, 1998
- Domestic offices
- 5 branches
- Employees (FTE)
- 41
- Domestic deposits
- $551.6M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- -$119K
- Average total assets
- $663.0M
- Average total loans
- $494.8M
- Average interest-bearing deposits
- $493.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 13, 1998
- FDIC Cert
- 34719
- Fed RSSD
- 2667939
- SEC CIK
- 1883602 → filed by SECURITY BANCSHARES, INC.
- Website
- www.fmbcolby.com →
- Parent Holding Company
- SECURITY BANCSHARES, INC. (RSSD 1248836)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch Farmers & Merchants Bank of Colby: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Farmers & Merchants Bank of Colby reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Farmers & Merchants Bank of Colby's total assets moved between a low of $510.1M (Q1 2024) and a high of $689.0M (Q3 2026) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$689.0M total assets against $596.8M; $616.0M total liabilities against $528.4M.
$503.1M net loans and leases against $436.3M; $551.6M total deposits against $460.9M.
$105.5M securities against $98.7M; $23.4M cash and balances due against $8.6M.
$10.2M total interest income against $9.1M; $4.4M total interest expense against $4.2M.
$5.8M net interest income against $4.8M.
$302K total noninterest income against $297K; $3.3M total noninterest expense against $2.3M.
$0 provision for credit losses against $0.
$2.4M net income against $2.3M.
1.46% return on assets against 1.55%; 3.77% net interest margin against 3.51%.
11.40% tier 1 leverage ratio against 11.33%.
Inside the full Farmers & Merchants Bank of Colby terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers & Merchants Bank of Colby rankings
Its closest position to the top of a national ranking is 670 of 3,624, for efficiency ratio; its furthest is 3,109 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.79% (Q4 2024) to 1.75% (Q1 2026) and its net interest margin ran from 3.22% (Q4 2024) to 3.77% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 11.40% | 1.46% | 0.03% | 0.31% | 3.77% |
| Q2 2026 | 11.23% | 1.62% | 0.61% | 3.99% | 3.68% |
| Q1 2026 | 11.05% | 1.75% | 0.00% | 0.00% | 3.67% |
| Q4 2025 | 11.01% | 1.28% | 0.66% | 4.44% | 3.58% |
| Q3 2025 | 11.33% | 1.55% | 1.25% | 8.20% | 3.51% |
| Q2 2025 | 11.03% | 1.43% | 0.74% | 5.06% | 3.38% |
| Q1 2025 | 10.76% | 1.37% | 0.49% | 3.24% | 3.22% |
| Q4 2024 | 10.52% | 0.79% | 0.51% | 3.46% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 & Merchants Bank of Colby (main office) | Colby , KS | 67701 | $405.2M |
| F&Mk Bank in Colorado - Burlington Branch | Burlington , CO | 80807 | $54.0M |
| F&M Bank in Colorado - Bennett Branch | Bennett , CO | 80102 | $38.3M |
| F&M Bank in Colorado - Cheyenne Wells Branch | Cheyenne Wells , CO | 80810 | $13.8M |
| Dillons Branch | Colby , KS | 67701 | $0 |
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 |
|---|---|---|---|
| January 10, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 10, 2023 | Structure Change | Acquired The Bank of Burlington Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KS, rank 58 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $164K approved, $164K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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 & Merchants Bank of Colby
What are Farmers & Merchants Bank of Colby's total assets?
As of the Q3 2026 filing, Farmers & Merchants Bank of Colby reported total assets of $689.0 million in its FFIEC call report.
Where is Farmers & Merchants Bank of Colby headquartered?
It is headquartered in Colby, KS, United States.
When was Farmers & Merchants Bank of Colby founded?
It was established in 1998, per the FDIC institution directory.
Is Farmers & Merchants Bank of Colby FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers & Merchants Bank of Colby?
Farmers & Merchants Bank of Colby's primary federal regulator is the FDIC.
How many branches does Farmers & Merchants Bank of Colby operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers & Merchants Bank of Colby's Texas Ratio?
Its Texas Ratio is 0.31% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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