Farmers and Merchants Bank
Milford, NE · Cert 16810 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 258).
- Widest gap: net interest margin trails 99% of banks $1B-$10B in assets operating in a single state (rank 255 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.87%
Rank 204 of 258
Net Interest Margin
2.04%
Rank 255 of 258
Efficiency Ratio
53.39%
Rank 78 of 257
Equity / Assets
8.35%
Rank 228 of 258
Non-interest income vs. expense
Unfavorable gap of $10.4M · efficiency ratio beats 70% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.93% | 1.23% | 1.54% | Beats 21% | 204 / 258 | | |
| Return on Equity | 10.40% | 9.26% | 11.84% | 14.74% | Beats 37% | 163 / 258 | | |
| Net Interest Margin | 2.04% | 3.16% | 3.49% | 3.88% | Beats 1% | 255 / 258 | | |
| Efficiency Ratio | 53.39% | 51.71% | 60.30% | 69.65% | Beats 70% | 78 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.46% | 0.90% | Beats 100% | 3 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 100% | 15 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 21.26% | 11.41% | 12.98% | 15.12% | Beats 94% | 15 / 258 | | |
| Total Risk-Based Capital Ratio | 21.45% | 12.10% | 13.91% | 16.08% | Beats 94% | 16 / 258 | | |
| Equity / Assets | 8.35% | 9.09% | 10.24% | 11.72% | Beats 12% | 228 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 26.29% | 73.24% | 86.34% | 95.95% | 1st pctl | 255 / 258 | | |
| Loans / Assets | 22.07% | 63.01% | 72.27% | 78.40% | 1st pctl | 255 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |