BlastPoint's Banking Scorecard

Farmers and Merchants Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 14275

Milligan, NE

2 branches across KS · NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
Deposits +18.4% year over year ($165.1M on the books).
Delinquency rate 0.19%.
Return on assets 1.78%.
Efficiency ratio 39.23% vs a 64.48% peer average.
Loan-to-deposit ratio 107.15% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE

View $100M-$1B leaderboard (NE) →

Farmers and Merchants Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 25.25% below tier average
+ ROA 0.46% above tier average
+ Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 29.20% above tier average
- Non-Interest-Bearing Deposit Share 13.01% below tier average
- Non-Interest Income / Assets 0.52% below tier average
- Net Interest Margin 0.62% below tier average

Get updates when Farmers and Merchants Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$215.4M +14.7% YoY +1.7% QoQ	-$171.1M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$176.9M +17.7% YoY +0.7% QoQ	-$81.4M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$165.1M +18.4% YoY +2.5% QoQ	-$161.6M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	25%
Return on Assets ?	1.78% +22.2% YoY +5.6% QoQ	+0.46%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	79%
Net Interest Margin ?	3.36% +0.8% YoY +0.4% QoQ	-0.62%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	22%
Efficiency Ratio ?	39.23% -15.6% YoY -3.0% QoQ	-25.25%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	Top 3.3% in tier
Delinquency Rate ?	0.19% -83.7% YoY -67.2% QoQ	-0.73%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	107.15% -0.6% YoY -1.8% QoQ	+29.20%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	Bottom 4.8% in tier
Non-Interest-Bearing Deposit Share ?	9.02% +6.3% YoY -1.4% QoQ	-13.01%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	Bottom 8.7% in tier
Nonperforming Asset Ratio ?	0.15% -83.3% YoY -67.6% QoQ	-0.51%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	13.84% -7.1% YoY -2.0% QoQ	-2.07%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.04% +84.5% YoY +123.7% QoQ	-0.52%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	Bottom 4.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Noninterest-Bearing	9.0% +0.5pp YoY -0.1pp QoQ	-13.1pp	22.1%	17.6%	22.2%	8%
Brokered Deposits	19.9% -2.6pp YoY -0.3pp QoQ	+12.0pp	7.9%	8.9%	8.5%	90%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	9.6% +0.2pp YoY +0.8pp QoQ	-2.0pp	11.6%	12.3%	12.5%	50%
CRE	4.1% -0.1pp YoY -0.1pp QoQ	-35.4pp	39.5%	32.3%	41.4%	1%
1-4 Family	11.1% -0.3pp YoY +0.1pp QoQ	-21.6pp	32.6%	16.9%	31.3%	12%
Consumer	0.7% -0.2pp YoY -0.1pp QoQ	-3.4pp	4.1%	3.1%	5.0%	21%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	13.8% -1.1pp YoY -0.3pp QoQ	-5.0pp	18.8%	16.1%	19.7%	38%
Leverage Ratio	11.1% -0.8pp YoY -0.5pp QoQ	-1.1pp	12.2%	12.1%	12.6%	52%
Total Capital Ratio	15.0% -1.1pp YoY -0.2pp QoQ	-5.0pp	19.9%	17.3%	20.8%	38%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	16 0 YoY 0 QoQ	-43	58	98	482	5%
Assets per Employee ($)	$13.5M +14.7% YoY +1.7% QoQ	+$5.9M	$7.5M	$8.5M	$8.8M	95%
Branch Count	2 0 YoY 0 QoQ	-3	4	7	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.5pp YoY -0.4pp QoQ	-0.2pp	0.3%	0.4%	0.4%	47%
Nonaccrual	0.1% -0.4pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	19%
Allowance Coverage	5.82x +515.4% YoY +215.4% QoQ	-18.34x	24.15x	31.69x	20.23x	73%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	15.8% +3.6pp YoY +1.0pp QoQ	+3.6pp	12.2%	12.3%	11.6%	72%
Cost of Funds (YTD)	3.0% 0.0pp YoY 0.0pp QoQ	+1.3pp	1.7%	1.9%	1.7%	98%
Net Income ($, YTD)	$1.9M +40.9% YoY — QoQ	-$680K	$2.6M	$6.1M	$40.4M	50%

Get Full Access to Farmers and Merchants Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Efficiency Ratio

profitability

Value: 39.23%

Peer Median: 64.48%

#88 of 2643 Top 3.3% in $100M-$1B

551

Return on Assets

profitability

Value: 1.78%

Peer Median: 1.32%

#551 of 2643 Top 20.8% in $100M-$1B

Top Weaknesses (4 metrics)

2524

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2524 of 2643 Bottom 4.5% in $100M-$1B

2517

Loan-to-Deposit Ratio

liquidity

Value: 107.15%

Peer Median: 77.95%

#2517 of 2643 Bottom 4.8% in $100M-$1B

2415

Non-Interest-Bearing Deposit Share

funding

Value: 9.02%

Peer Median: 22.03%

#2415 of 2643 Bottom 8.7% in $100M-$1B

2062

Net Interest Margin

profitability

Value: 3.36%

Peer Median: 3.99%

#2062 of 2643 Bottom 22.0% in $100M-$1B