Farmers and Merchants State Bank, Bloomfield, Nebraska
Bloomfield, NE · Cert 13662 · Peer group: banks under $1B in assets operating regionally (n=94) · Lauritzen Investments Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$232.9MAssets
$131.8MLoans
$209.7MDeposits
$21.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets operating regionally (rank 7 of 94).
- Widest gap: net interest margin trails 73% of banks under $1B in assets operating regionally (rank 69 of 94).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.57%
Rank 13 of 94
Net Interest Margin
3.47%
Rank 69 of 94
Efficiency Ratio
46.84%
Rank 7 of 94
Equity / Assets
9.34%
Rank 67 of 94
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 94% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.57% | 0.82% | 1.19% | 1.46% | Beats 86% | 13 / 94 | | |
| Return on Equity | 16.77% | 7.85% | 11.84% | 14.03% | Beats 90% | 9 / 94 | | |
| Net Interest Margin | 3.47% | 3.42% | 3.81% | 4.18% | Beats 27% | 69 / 94 | | |
| Efficiency Ratio | 46.84% | 55.99% | 62.41% | 73.02% | Beats 94% | 7 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.19% | 0.47% | 1.14% | Beats 86% | 14 / 94 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 77% | 24 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 17.01% | 10.28% | 11.95% | 15.07% | Beats 84% | 15 / 94 | | |
| Total Risk-Based Capital Ratio | 18.26% | 10.31% | 12.59% | 15.88% | Beats 86% | 13 / 94 | | |
| Equity / Assets | 9.34% | 8.98% | 10.21% | 11.41% | Beats 29% | 67 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.86% | 72.62% | 84.44% | 94.55% | 11th pctl | 84 / 94 | | |
| Loans / Assets | 56.60% | 62.50% | 72.84% | 78.99% | 12th pctl | 83 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |