Farmers & Merchants Bank of Colby: 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: 1.39 percentage points higher than in Q1 2026, at 93.96%. Farmers & Merchants Bank of Colby ranks 64th of 182 Kansas banks on return on assets, in the upper half at 1.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers & Merchants Bank of Colby sits 0.38 points higher, at 1.62% (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 | 11.23% |
| Equity capital to assets | 11.33% |
| Tangible equity to tangible assets | 10.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 3.99% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 14.65% |
| Net interest margin | 3.68% |
| Efficiency ratio | 40.29% |
| Yield on earning assets | 6.46% |
| Cost of funds | 2.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.96% |
| Core deposits to total deposits | 72.27% |
| Brokered deposits to total deposits | 15.96% |
| Deposits to assets | 78.57% |
| Securities to assets | 16.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.26% | 1.40% | 3.41% | 0.50% | 0.91% |
| Q4 2023 | 11.07% | 0.81% | 3.49% | 0.24% | 0.56% |
| Q1 2024 | 11.00% | 1.39% | 3.45% | 0.22% | -0.06% |
| Q2 2024 | 11.13% | 1.08% | 3.19% | 0.18% | -0.07% |
| Q3 2024 | 11.11% | 1.32% | 3.39% | 0.03% | -0.01% |
| Q4 2024 | 10.52% | 0.79% | 3.22% | 0.00% | 0.00% |
| Q1 2025 | 10.76% | 1.37% | 3.22% | 0.00% | -0.01% |
| Q2 2025 | 11.03% | 1.43% | 3.38% | 0.00% | -0.06% |
| Q3 2025 | 11.33% | 1.55% | 3.51% | 0.00% | -0.19% |
| Q4 2025 | 11.01% | 1.28% | 3.58% | 0.00% | -0.09% |
| Q1 2026 | 11.05% | 1.75% | 3.67% | 0.00% | -0.05% |
| Q2 2026 | 11.23% | 1.62% | 3.68% | 0.00% | -0.02% |
Farmers & Merchants Bank of Colby vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank of Colby, 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 & Merchants Bank of Colby profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34719) · FFIEC NIC profile (RSSD 2667939)