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Farmers And Merchants Bank Of Ashland
Ashland, NE · FDIC Certificate #5377 · Chartered 11/1
Total assets
$152.16M
Total deposits
$128.00M
Total equity
$14.60M
Net loans
$114.38M
Branches (offices)
4
Net income (YTD)
$983.00K
Rank: #3,292 of 4,213 U.S. banks by assets · #89 of 138 in Nebraska. Assets changed 10.5% and deposits 11.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.33% |
| Return on equity | 13.92% |
| Net interest margin (YTD) | 4.19% |
| Equity to assets | 9.60% |
| Tier 1 leverage ratio | 10.00% |
| Uninsured deposits (share of deposits) | 13.0% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 89.4% |
| Real estate loans (share of loans) | 83.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $94.96M | 83.0% | |
| Commercial & industrial | $11.10M | 9.7% | |
| Consumer / individual | $1.51M | 1.3% | |
| Construction & development | $11.94M | 10.4% | |
| Agricultural | $7.43M | 6.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $114.97M | $103.46M | $345.00K | $9.43M |
| Jun 2023 | $117.97M | $99.50M | $409.00K | $9.90M |
| Jun 2024 | $131.51M | $110.59M | $396.00K | $10.41M |
| Jun 2025 | $137.70M | $115.00M | $648.00K | $12.95M |
| Jun 2026 | $152.16M | $128.00M | $983.00K | $14.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $128.00M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $128.00M.
Similar-sized banks
Wsb Municipal Bank ($152.27M) · Security State Bank Of Hibbing ($151.94M)
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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