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 | |