Farmers and Merchants Bank
Milligan, NE · Cert 14275 · Peer group: banks under $1B in assets operating regionally (n=94) · 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 99% of banks under $1B in assets operating regionally (rank 2 of 94).
- Widest gap: net interest margin trails 86% of banks under $1B in assets operating regionally (rank 81 of 94).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.37%
Rank 29 of 94
Net Interest Margin
3.17%
Rank 81 of 94
Efficiency Ratio
41.51%
Rank 2 of 94
Equity / Assets
11.03%
Rank 32 of 94
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 99% 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 | 1.37% | 0.82% | 1.19% | 1.46% | Beats 69% | 29 / 94 | | |
| Return on Equity | 12.45% | 7.85% | 11.84% | 14.03% | Beats 55% | 42 / 94 | | |
| Net Interest Margin | 3.17% | 3.42% | 3.81% | 4.18% | Beats 14% | 81 / 94 | | |
| Efficiency Ratio | 41.51% | 55.99% | 62.41% | 73.02% | Beats 99% | 2 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.19% | 0.47% | 1.14% | Beats 77% | 23 / 94 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 79% | 21 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 13.84% | 10.28% | 11.95% | 15.07% | Beats 64% | 34 / 94 | | |
| Total Risk-Based Capital Ratio | 14.97% | 10.31% | 12.59% | 15.88% | Beats 65% | 33 / 94 | | |
| Equity / Assets | 11.03% | 8.98% | 10.21% | 11.41% | Beats 66% | 32 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 108.32% | 72.62% | 84.44% | 94.55% | 96th pctl | 4 / 94 | | |
| Loans / Assets | 83.03% | 62.50% | 72.84% | 78.99% | 82nd pctl | 17 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |