Lincoln, NE · Cert 13421 · Farmers&Merchants Inv Inc.
State charter, non-member · FDIC · 37 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
54
Profitability
69
Liquidity
74
Efficiency
68
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lincoln, NE · Cert 13421 · Farmers&Merchants Inv Inc.
State charter, non-member · FDIC · 37 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 37.0% share · #1 of 33 inst. · $6.0B of $16.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.45% | 1.41% | 1.36% | 1.40% | 1.60% | 1.56% | 1.66% | +30 bps | |
| Return on Equity | 14.31% | 15.05% | 14.42% | 13.76% | 14.10% | 15.93% | 14.91% | 15.67% | +191 bps | |
| Net Interest Margin | 3.10% | 3.11% | 3.29% | 3.36% | 3.33% | 3.37% | 3.38% | 3.44% | +8 bps | |
| Efficiency Ratio | 60.25% | 58.45% | 57.86% | 57.59% | 57.52% | 55.24% | 55.67% | 54.69% | -291 bps | |
| Non-Interest Burden | 1.27% | 1.17% | 1.31% | 1.36% | 1.35% | 1.18% | 1.24% | 1.18% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.43% | 4.80% | 3.07% | 3.53% | 0.93% | 3.83% | 5.57% | 4.98% | +145 bps | |
| Loan Growth (YoY) | 6.43% | 5.43% | 3.99% | 5.86% | 6.32% | 6.67% | 6.81% | 4.97% | -89 bps | |
| Deposit Growth (YoY) | 14.38% | 9.07% | 11.03% | 11.61% | 6.94% | 3.20% | 2.54% | 2.22% | -938 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.42% | 0.37% | 0.39% | 0.55% | 0.52% | 0.31% | 0.32% | -7 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.13% | 0.07% | 0.06% | 0.06% | 0.15% | 0.15% | 0.10% | +4 bps | |
| Allowance / Loans | 1.57% | 1.57% | 1.59% | 1.62% | 1.61% | 1.59% | 1.57% | 1.58% | -4 bps | |
| Allowance Coverage of NPLs | 7.6x | 3.7x | 4.3x | 4.1x | 2.9x | 3.0x | 5.0x | 4.9x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.47% | 9.82% | 9.39% | 9.80% | 9.80% | 10.39% | 10.10% | 10.65% | +85 bps | |
| Total Risk-Based Capital | 12.83% | 13.16% | 12.90% | 12.91% | 13.27% | 13.63% | 13.51% | 13.96% | +105 bps | |
| Equity / Assets | 9.32% | 9.85% | 9.77% | 9.94% | 10.24% | 10.51% | 10.40% | 10.82% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.35% | 85.75% | 88.07% | 90.66% | 90.83% | 88.63% | 91.73% | 93.09% | +244 bps | |
| Liquid Assets / Assets | 4.22% | 2.80% | 0.10% | 0.13% | 0.24% | 0.24% | 0.02% | 0.38% | +26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 383% | 365% | 370% | n/a | n/a | |
Lincoln, NE · Cert 13421 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Farmers&Merchants Inv Inc.
State charter, non-member · FDIC · 37 branches
Q2 2026
Return on Assets
1.65%
Rank 31 of 176
Net Interest Margin
3.44%
Rank 101 of 176
Efficiency Ratio
54.69%
Rank 58 of 176
Equity / Assets
10.82%
Rank 75 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.65% | 0.93% | 1.26% | 1.54% | Beats 82% | 31 / 176 | ||
| Return on Equity | 15.21% | 9.26% | 11.89% | 14.46% | Beats 81% | 34 / 176 | ||
| Net Interest Margin | 3.44% | 3.25% | 3.59% | 3.93% | Beats 43% | 101 / 176 | ||
| Efficiency Ratio | 54.69% | 52.79% | 59.55% | 67.66% | Beats 68% | 58 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.30% | 0.64% | 1.32% | Beats 72% | 50 / 176 | ||
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.04% | 0.10% | Beats 35% | 116 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.71% | 11.15% | 12.72% | 14.15% | Beats 49% | 90 / 176 | ||
| Total Risk-Based Capital Ratio | 13.96% | 11.81% | 13.63% | 15.33% | Beats 55% | 80 / 176 | ||
| Equity / Assets | 10.82% | 9.16% | 10.35% | 11.80% | Beats 57% | 75 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.09% | 80.94% | 89.73% | 97.21% | 63rd pctl | 66 / 176 | ||
| Loans / Assets | 75.74% | 69.25% | 75.12% | 80.82% | 52nd pctl | 84 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||