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Farmers and Merchants Bank

$1B-$10B Specialty: Agricultural NE FDIC cert 16810

Designations: ✓ Community bank

Milford, NE

12 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
  • Deposits +7.0% year over year ($885.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.89%.
  • Efficiency ratio 53.39% vs a 59.73% peer average.
  • Loan-to-deposit ratio 26.18% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 21 in NE
View $1B-$10B 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

  • + Delinquency Rate 0.87% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 6.34% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.60% below tier average
  • - Non-Interest-Bearing Deposit Share 14.39% below tier average
  • - Non-Interest Income / Assets 0.45% below tier average
  • - ROA 0.50% 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 ? $1.1B
+8.4% YoY +1.3% QoQ
-$1.7B $2.8B
-0.6% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
Bottom 5.3% in tier
Total Loans ? $231.8M
-1.4% YoY +1.3% QoQ
-$1.7B $2.0B
-0.3% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
Bottom 1.0% in tier
Total Deposits ? $885.6M
+7.0% YoY +0.9% QoQ
-$1.4B $2.3B
-0.5% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
Bottom 5.9% in tier
Return on Assets ? 0.89%
-9.9% YoY +2.0% QoQ
-0.50% 1.39%
+17.0% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 2.27%
-6.5% YoY +0.7% QoQ
-1.60% 3.87%
+6.2% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
Bottom 2.4% in tier
Efficiency Ratio ? 53.39%
+0.0% YoY +0.5% QoQ
-6.34% 59.73%
-12.6% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.87% 0.87%
+11.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 26.18%
-7.9% YoY +0.4% QoQ
-58.86% 85.04%
-0.1% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
Top 1.8% in tier
Non-Interest-Bearing Deposit Share ? 6.88%
+2.2% YoY -0.2% QoQ
-14.39% 21.27%
-1.5% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
Bottom 6.4% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+11.7% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 21.26%
-3.9% YoY -9.9% QoQ
+6.42% 14.84%
-0.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Top 6.0% in tier
Non-Interest Income / Assets ? 0.08%
-37.4% YoY +105.7% QoQ
-0.45% 0.53%
+2.5% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
Bottom 6.7% 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 6.9%
+0.2pp YoY
0.0pp QoQ
 -14.5pp 21.4% 17.6% 22.2% 6%
Brokered Deposits 59.8%
-0.2pp YoY
+0.9pp QoQ
 +50.3pp 9.5% 8.9% 8.5% 98%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 13.5%
-0.3pp YoY
+0.8pp QoQ
 -0.5pp 14.0% 12.3% 12.5% 62%
CRE n/a n/a 50.0% 32.3% 41.4% n/a
1-4 Family 9.6%
-0.9pp YoY
-0.6pp QoQ
 -16.8pp 26.4% 16.9% 31.3% 16%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -4.6pp 4.7% 3.1% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 21.3%
-0.9pp YoY
-2.3pp QoQ
 +5.7pp 15.6% 16.1% 19.7% 93%
Leverage Ratio 10.6%
-0.1pp YoY
-0.1pp QoQ
 -0.7pp 11.3% 12.1% 12.6% 53%
Total Capital Ratio 21.5%
-0.9pp YoY
-2.4pp QoQ
 +4.8pp 16.7% 17.3% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 60
-1 (-1.6%) YoY
0 QoQ
 -254 313 98 482 1%
Assets per Employee ($) $17.6M
+10.2% YoY
+1.3% QoQ
 +$7.1M $10.5M $8.5M $8.8M 93%
Branch Count 12
0 YoY
0 QoQ
 -8 20 7 18 39%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.8% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 18.71x 31.69x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.3pp 0.3% 0.1% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 10.7%
-3.0pp YoY
+0.2pp QoQ
 -1.9pp 12.6% 12.3% 11.6% 39%
Cost of Funds (YTD) 2.3%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.9% 1.9% 1.7% 78%
Net Income ($, YTD) $4.6M
-4.5% YoY
— QoQ
 -$14.7M $19.2M $6.1M $40.4M 10%

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#1 of 882 Top 0.1% in $1B-$10B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 885 Top 0.1% in $1B-$10B
17
Loan-to-Deposit Ratio
liquidity
Value: 26.18%
Peer Median: 85.04%
#17 of 885 Top 1.8% in $1B-$10B
54
Tier 1 Capital Ratio
capital
Value: 21.26%
Peer Median: 14.84%
#54 of 885 Top 6.0% in $1B-$10B

Top Weaknesses (7 metrics)

877
Total Loans
size
Value: $231.82M
Peer Median: $1.96B
#877 of 885 Bottom 1.0% in $1B-$10B
865
Net Interest Margin
profitability
Value: 2.27%
Peer Median: 3.87%
#865 of 885 Bottom 2.4% in $1B-$10B
839
Total Assets
size
Value: $1.05B
Peer Median: $2.79B
#839 of 885 Bottom 5.3% in $1B-$10B
834
Total Deposits
size
Value: $885.61M
Peer Median: $2.32B
#834 of 885 Bottom 5.9% in $1B-$10B
829
Non-Interest-Bearing Deposit Share
funding
Value: 6.88%
Peer Median: 21.27%
#829 of 885 Bottom 6.4% in $1B-$10B
827
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.53%
#827 of 885 Bottom 6.7% in $1B-$10B
689
Return on Assets
profitability
Value: 0.89%
Peer Median: 1.39%
#689 of 885 Bottom 22.3% in $1B-$10B
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