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Farmers & Merchants Bank Of Colby
Colby, KS · FDIC Certificate #34719 · Chartered 03/1
Total assets
$650.81M
Total deposits
$511.32M
Total equity
$73.73M
Net loans
$475.69M
Branches (offices)
5
Net income (YTD)
$5.43M
Rank: #1,454 of 4,213 U.S. banks by assets · #28 of 183 in Kansas. Assets changed 9.9% and deposits 11.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.69% |
| Return on equity | 15.27% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 11.33% |
| Tier 1 leverage ratio | 11.23% |
| Uninsured deposits (share of deposits) | 28.8% |
| Noncurrent loans (share of loans) | 0.61% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 93.0% |
| Real estate loans (share of loans) | 54.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $259.47M | 54.5% | |
| Commercial & industrial | $78.61M | 16.5% | |
| Consumer / individual | $1.56M | 0.3% | |
| Construction & development | $55.30M | 11.6% | |
| Agricultural | $137.03M | 28.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $335.91M | $240.69M | $3.60M | $46.23M |
| Jun 2023 | $468.57M | $348.14M | $3.09M | $55.17M |
| Jun 2024 | $518.76M | $391.53M | $3.16M | $59.38M |
| Jun 2025 | $592.10M | $457.46M | $4.11M | $65.06M |
| Jun 2026 | $650.81M | $511.32M | $5.43M | $73.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $405.25M | 2 |
| Colorado | $106.07M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $511.32M.
Similar-sized banks
Bankvista ($651.09M) · Stockmens Bank ($650.80M)
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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