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Farmers And Merchants Bank
Milligan, NE · FDIC Certificate #14275 · Chartered 06/1
Total assets
$215.43M
Total deposits
$165.14M
Total equity
$23.77M
Net loans
$176.94M
Branches (offices)
2
Net income (YTD)
$1.88M
Rank: #2,885 of 4,213 U.S. banks by assets · #77 of 138 in Nebraska. Assets changed 14.7% and deposits 18.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.78% |
| Return on equity | 15.75% |
| Net interest margin (YTD) | 3.36% |
| Equity to assets | 11.03% |
| Tier 1 leverage ratio | 11.08% |
| Uninsured deposits (share of deposits) | 12.4% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 107.1% |
| Real estate loans (share of loans) | 55.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $97.32M | 55.0% | |
| Commercial & industrial | $16.97M | 9.6% | |
| Consumer / individual | $1.24M | 0.7% | |
| Construction & development | $1.62M | 0.9% | |
| Agricultural | $63.11M | 35.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $130.00M | $105.15M | $694.00K | $17.27M |
| Jun 2023 | $152.49M | $109.72M | $1.58M | $19.29M |
| Jun 2024 | $164.75M | $122.77M | $1.65M | $20.23M |
| Jun 2025 | $187.84M | $139.52M | $1.33M | $21.71M |
| Jun 2026 | $215.43M | $165.14M | $1.88M | $23.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $127.60M | 1 |
| Kansas | $37.54M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $165.14M.
Similar-sized banks
First Bank Of Coastal Georgia ($215.72M) · Farmers Savings Bank ($215.29M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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