Farmers and Merchants Bank
Milford, NE · Cert 16810 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Country Bank Shares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
$1.1BAssets
$232.8MLoans
$885.6MDeposits
$88.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 3 of 267).
- Widest gap: net interest margin trails 99% of banks $1B-$10B in assets operating in a single state (rank 264 of 267).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.87%
Rank 210 of 267
Net Interest Margin
2.04%
Rank 264 of 267
Efficiency Ratio
53.39%
Rank 83 of 266
Equity / Assets
8.35%
Rank 240 of 267
Non-interest income vs. expense
Unfavorable gap of $10.4M · efficiency ratio beats 69% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.93% | 1.23% | 1.55% | Beats 21% | 210 / 267 | |
| Return on Equity | 10.40% | 9.16% | 11.84% | 14.56% | Beats 37% | 168 / 267 | |
| Net Interest Margin | 2.04% | 3.12% | 3.50% | 3.88% | Beats 1% | 264 / 267 | |
| Efficiency Ratio | 53.39% | 51.36% | 60.21% | 69.66% | Beats 69% | 83 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.46% | 0.89% | Beats 100% | 3 / 267 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 100% | 13 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 21.26% | 11.29% | 13.05% | 15.13% | Beats 94% | 17 / 267 | |
| Total Risk-Based Capital Ratio | 21.45% | 11.95% | 13.87% | 16.27% | Beats 93% | 18 / 267 | |
| Equity / Assets | 8.35% | 9.18% | 10.29% | 11.76% | Beats 10% | 240 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 26.29% | 72.68% | 86.16% | 95.22% | 1st pctl | 265 / 267 | |
| Loans / Assets | 22.07% | 62.46% | 71.96% | 78.38% | 1st pctl | 265 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |