Farmers & Merchants Bank of Colby
Colby, KS · Cert 34719 · Peer group: banks under $1B in assets in KS (n=98) · Security Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 5 branches (12 in holding)
Q2 2026
$650.8MAssets
$480.5MLoans
$511.3MDeposits
$73.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets in KS (rank 81 of 98).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.67%
Rank 17 of 98
Net Interest Margin
3.35%
Rank 67 of 98
Efficiency Ratio
42.92%
Rank 2 of 98
Equity / Assets
11.33%
Rank 50 of 98
Non-interest income vs. expense
Unfavorable gap of $8.7M · efficiency ratio beats 99% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 1.03% | 1.24% | 1.54% | Beats 83% | 17 / 98 | |
| Return on Equity | 14.73% | 8.85% | 11.58% | 14.73% | Beats 74% | 25 / 98 | |
| Net Interest Margin | 3.35% | 3.24% | 3.62% | 3.91% | Beats 32% | 67 / 98 | |
| Efficiency Ratio | 42.92% | 51.87% | 58.88% | 64.74% | Beats 99% | 2 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.01% | 0.33% | 1.05% | Beats 37% | 63 / 98 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 11.23% | 11.81% | 13.71% | 17.33% | Beats 17% | 81 / 98 | |
| Total Risk-Based Capital Ratio | 11.23% | 11.81% | 14.13% | 17.45% | Beats 17% | 81 / 98 | |
| Equity / Assets | 11.33% | 8.60% | 11.34% | 13.10% | Beats 49% | 50 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 93.96% | 57.09% | 69.84% | 82.47% | 92nd pctl | 8 / 98 | |
| Loans / Assets | 73.82% | 49.34% | 58.31% | 68.94% | 87th pctl | 13 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |