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Farmers And Merchants Bank
Milford, NE · FDIC Certificate #16810 · Chartered 07/0
Total assets
$1.05B
Total deposits
$885.61M
Total equity
$88.01M
Net loans
$231.82M
Branches (offices)
12
Net income (YTD)
$4.58M
Rank: #998 of 4,213 U.S. banks by assets · #20 of 138 in Nebraska. Assets changed 8.4% and deposits 7.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 10.71% |
| Net interest margin (YTD) | 2.27% |
| Equity to assets | 8.35% |
| Tier 1 leverage ratio | 10.64% |
| Uninsured deposits (share of deposits) | 16.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 26.2% |
| Real estate loans (share of loans) | 66.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $154.00M | 66.4% | |
| Commercial & industrial | $31.22M | 13.5% | |
| Consumer / individual | $369.00K | 0.2% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $42.12M | 18.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $857.02M | $710.88M | $3.83M | $62.92M |
| Jun 2023 | $877.59M | $730.27M | $4.42M | $63.59M |
| Jun 2024 | $911.43M | $764.40M | $3.57M | $69.71M |
| Jun 2025 | $972.52M | $827.42M | $4.79M | $68.45M |
| Jun 2026 | $1.05B | $885.61M | $4.58M | $88.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $885.61M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $885.61M.
Similar-sized banks
Bank Cmg ($1.06B) · Farmers Bank & Trust ($1.05B)
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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