Ashland, NE · Cert 5377 · Farmers&Merchants Finl Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.3% share · #39 of 77 inst. · $0.1B of $42.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.98% | 1.09% | 1.33% | 1.33% | +39 bps | |
| Return on Equity | 11.15% | 11.30% | 12.36% | 13.92% | 13.92% | +277 bps | |
| Net Interest Margin | 3.35% | 3.47% | 3.49% | 3.80% | 3.81% | +46 bps | |
| Efficiency Ratio | 67.47% | 63.99% | 62.41% | 61.07% | 57.67% | -980 bps | |
| Non-Interest Burden | 2.15% | 2.08% | 2.02% | 2.18% | 2.08% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.71% | 7.67% | 6.80% | 4.31% | 10.50% | +579 bps | |
| Loan Growth (YoY) | 1.92% | 7.81% | 10.43% | 8.63% | 5.31% | +340 bps | |
| Deposit Growth (YoY) | 3.98% | 6.41% | 5.08% | 2.79% | 11.31% | +732 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.07% | 0.00% | 0.42% | +42 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 0.99% | 1.00% | 1.01% | 1.02% | +1 bps | |
| Allowance Coverage of NPLs | n/a | 1133.0x | 14.4x | n/a | 2.5x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.63% | 9.92% | 9.66% | 9.89% | 10.00% | +36 bps | |
| Total Risk-Based Capital | 9.63% | 9.92% | 9.66% | 9.89% | 10.00% | +36 bps | |
| Equity / Assets | 9.40% | 9.36% | 9.50% | 9.62% | 9.60% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.42% | 95.07% | 98.04% | 95.00% | 90.28% | -514 bps | |
| Liquid Assets / Assets | 2.40% | 1.73% | 0.53% | 2.96% | 8.20% | +580 bps | |
| CRE / Total Capital | n/a | 240% | 249% | 244% | n/a | n/a | |