Bank Safety Analysis
Is Farmers & Merchants Bank of Colby Safe? Colby, Kansas
Based on its Q3 2026 call report, Farmers & Merchants Bank of Colby meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.31%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Farmers & Merchants Bank of Colby safe?
On its Q3 2026 call report, Farmers & Merchants Bank of Colby's Community Bank Leverage Ratio is 11.40%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 11.40%
- Texas ratio (Q3 2026): 0.31%
- Noncurrent loans ratio (Q3 2026): 0.03%
Farmers & Merchants Bank of Colby is an FDIC-insured commercial bank (FDIC Certificate #34719). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Farmers & Merchants Bank of Colby (FDIC Certificate #34719) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Farmers & Merchants Bank of Colby passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The standout move of Q3 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.58 percentage points lower than in Q2 2026, at 0.03%. Within Kansas, Farmers & Merchants Bank of Colby is 86th of 182 on leverage ratio, 11.40% as of Q3 2026. The median for banks in the $100M-1B asset tier is 11.09% on leverage ratio; Farmers & Merchants Bank of Colby reported 11.40% for Q3 2026, nearly level with it.
From Q4 2023 to Q3 2026, Farmers & Merchants Bank of Colby's Texas ratio ranged between 0.00% (Q1 2026) and 8.20% (Q3 2025). Between Q3 2025 and Q3 2026, Farmers & Merchants Bank of Colby's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.25% to 0.03%, Texas ratio fell from 8.20% to 0.31% and return on assets fell from 1.55% to 1.46%.
Farmers & Merchants Bank of Colby ranks as the 28th largest of the 182 banks based in Kansas, by total assets at Q3 2026. Agricultural production loans are its largest loan category, $143.8M of $507.9M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, Farmers & Merchants Bank of Colby's community bank leverage ratio of 11.40% is above the 11.09% median, nonperforming loans ratio of 0.03% is below the 0.43% median, Texas ratio of 0.31% is below the 2.96% median, and efficiency ratio of 48.43% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Farmers & Merchants Bank of Colby's composite risk score is 0.81 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does Farmers & Merchants Bank of Colby score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does Farmers & Merchants Bank of Colby trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.31% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.03% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 92.07% | Within range |
| Commercial real estate to capital supervisory threshold | 87.74% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.05% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.31% |
| Q2 2026 | 3.99% |
| Q1 2026 | 0.00% |
| Q4 2025 | 4.44% |
| Q3 2025 | 8.20% |
| Q2 2025 | 5.06% |
| Q1 2025 | 3.24% |
| Q4 2024 | 3.46% |
| Q3 2024 | 3.55% |
| Q2 2024 | 5.30% |
| Q1 2024 | 1.46% |
| Q4 2023 | 1.92% |
Loans by type, Q3 2026
- Agricultural production loans: $143.8M
- Owner-occupied commercial real estate loans: $107.3M
- Commercial and industrial loans: $78.7M
- Construction and land development loans: $66.2M
- 1-4 family residential loans: $10.7M
- Leases: $3.7M
- Non-owner-occupied commercial real estate loans: $3.5M
- Auto loans: $981K
How have Farmers & Merchants Bank of Colby's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $689.0M | 11.40% | 0.03% | 0.31% | 48.43% |
| Jun 30, 2026 | $650.8M | 11.23% | 0.61% | 3.99% | 40.29% |
| Mar 31, 2026 | $637.1M | 11.05% | 0.00% | 0.00% | 35.66% |
| Dec 31, 2025 | $639.9M | 11.01% | 0.66% | 4.44% | 50.04% |
| Sep 30, 2025 | $596.8M | 11.33% | 1.25% | 8.20% | 40.23% |
| Jun 30, 2025 | $592.1M | 11.03% | 0.74% | 5.06% | 37.23% |
| Mar 31, 2025 | $592.3M | 10.76% | 0.49% | 3.24% | 40.94% |
| Dec 31, 2024 | $569.8M | 10.52% | 0.51% | 3.46% | 54.10% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Farmers & Merchants Bank of Colby FDIC insured?
Yes. Farmers & Merchants Bank of Colby is an FDIC-insured commercial bank (FDIC Certificate #34719). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Farmers & Merchants Bank of Colby well capitalized?
On its Q3 2026 call report, Farmers & Merchants Bank of Colby's Community Bank Leverage Ratio is 11.40%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Farmers & Merchants Bank of Colby's key safety ratios?
For Q3 2026, Farmers & Merchants Bank of Colby reports leverage 11.40%, Texas ratio 0.31%, noncurrent loans 0.03%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if Farmers & Merchants Bank of Colby fails?
For Q3 2026, Farmers & Merchants Bank of Colby reported $551.6M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Farmers & Merchants Bank of Colby profile.
How we score this
Farmers & Merchants Bank of Colby elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Farmers & Merchants Bank of Colby is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 34719) · FFIEC NIC profile (RSSD 2667939)
Explore: Full Farmers & Merchants Bank of Colby profile · Other banks in KS · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.