Farmers and Merchants Bank
Milligan, NE · Cert 14275 · Peer group: banks under $1B in assets operating regionally (n=100) · FM Group Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$215.4MAssets
$178.9MLoans
$165.1MDeposits
$23.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets operating regionally (rank 4 of 100).
- Widest gap: net interest margin trails 86% of banks under $1B in assets operating regionally (rank 86 of 100).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.37%
Rank 33 of 100
Net Interest Margin
3.17%
Rank 86 of 100
Efficiency Ratio
41.51%
Rank 4 of 100
Equity / Assets
11.03%
Rank 32 of 100
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 97% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.82% | 1.19% | 1.50% | Beats 67% | 33 / 100 | |
| Return on Equity | 12.45% | 7.96% | 11.91% | 14.16% | Beats 54% | 46 / 100 | |
| Net Interest Margin | 3.17% | 3.43% | 3.80% | 4.17% | Beats 14% | 86 / 100 | |
| Efficiency Ratio | 41.51% | 55.88% | 62.41% | 72.90% | Beats 97% | 4 / 100 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.19% | 0.47% | 1.06% | Beats 77% | 24 / 100 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.06% | Beats 79% | 22 / 100 | |
| Capital |
| Tier 1 Capital Ratio | 13.84% | 10.31% | 12.02% | 14.75% | Beats 67% | 33 / 100 | |
| Total Risk-Based Capital Ratio | 14.97% | 10.50% | 12.71% | 15.64% | Beats 68% | 32 / 100 | |
| Equity / Assets | 11.03% | 8.89% | 10.14% | 11.36% | Beats 68% | 32 / 100 | |
| Liquidity & Funding |
| Loans / Deposits | 108.32% | 73.97% | 83.99% | 92.79% | 95th pctl | 5 / 100 | |
| Loans / Assets | 83.03% | 62.33% | 70.97% | 78.76% | 83rd pctl | 17 / 100 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |