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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.57% | 1.13% | 0.74% | 1.07% | 1.41% | 1.33% | 1.34% | +60 bps | |
| Return on Equity | 5.19% | 7.19% | 14.24% | 8.56% | 11.41% | 14.97% | 13.92% | 13.95% | +539 bps | |
| Net Interest Margin | 3.28% | 3.39% | 3.19% | 3.49% | 3.70% | 3.92% | 3.80% | 3.88% | +40 bps | |
| Efficiency Ratio | 83.24% | 81.33% | 63.04% | 71.89% | 57.88% | 58.46% | 61.07% | 54.23% | -1,766 bps | |
| Non-Interest Burden | 2.68% | 2.72% | 1.85% | 2.45% | 1.94% | 2.07% | 2.18% | 2.03% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.47% | 8.36% | 9.58% | 4.71% | 7.67% | 6.80% | 4.31% | 10.50% | +579 bps | |
| Loan Growth (YoY) | 4.42% | 2.64% | 1.71% | 1.92% | 7.81% | 10.43% | 8.63% | 5.31% | +340 bps | |
| Deposit Growth (YoY) | 13.65% | 16.14% | 14.19% | 3.98% | 6.41% | 5.08% | 2.79% | 11.31% | +732 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.01% | 1.01% | 1.01% | 0.99% | 1.00% | 1.01% | 1.02% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1133.0x | 14.4x | n/a | 2.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.40% | 8.42% | 8.34% | 9.63% | 9.92% | 9.66% | 9.89% | 10.00% | +36 bps | |
| Total Risk-Based Capital | 14.12% | 14.32% | 14.84% | 9.63% | 9.92% | 9.66% | 9.89% | 10.00% | +36 bps | |
| Equity / Assets | 8.00% | 7.97% | 7.96% | 9.40% | 9.36% | 9.50% | 9.62% | 9.60% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.84% | 93.30% | 89.90% | 95.42% | 95.07% | 98.04% | 95.00% | 90.28% | -514 bps | |
| Liquid Assets / Assets | 3.65% | 3.58% | 6.91% | 2.40% | 1.73% | 0.53% | 2.96% | 8.20% | +580 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 240% | 249% | 244% | n/a | n/a | |