Farmers and Merchants Bank of Ashland
Ashland, NE · Cert 5377 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Farmers&Merchants Finl Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
$152.2MAssets
$115.6MLoans
$128.0MDeposits
$14.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Omaha, NE-IA area (rank 12 of 24).
- Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets in the Omaha, NE-IA area (rank 20 of 24).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.29%
Rank 12 of 24
Net Interest Margin
3.81%
Rank 11 of 24
Efficiency Ratio
57.67%
Rank 10 of 24
Equity / Assets
9.60%
Rank 14 of 24
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 62% of banks under $1B in assets in the Omaha, NE-IA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.92% | 1.29% | 1.77% | Beats 50% | 12 / 24 | |
| Return on Equity | 13.46% | 9.64% | 12.01% | 15.30% | Beats 63% | 9 / 24 | |
| Net Interest Margin | 3.81% | 3.02% | 3.76% | 3.98% | Beats 54% | 11 / 24 | |
| Efficiency Ratio | 57.67% | 49.60% | 59.31% | 66.55% | Beats 62% | 10 / 24 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.10% | 0.37% | 1.03% | Beats 42% | 15 / 24 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 12 / 24 | |
| Capital |
| Tier 1 Capital Ratio | 10.00% | 10.53% | 11.57% | 13.63% | Beats 17% | 20 / 24 | |
| Total Risk-Based Capital Ratio | 10.00% | 11.15% | 12.06% | 13.90% | Beats 17% | 20 / 24 | |
| Equity / Assets | 9.60% | 8.87% | 10.14% | 12.27% | Beats 42% | 14 / 24 | |
| Liquidity & Funding |
| Loans / Deposits | 90.28% | 75.32% | 83.30% | 93.06% | 67th pctl | 8 / 24 | |
| Loans / Assets | 75.94% | 65.68% | 71.67% | 75.94% | 75th pctl | 6 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |