Farmers and Merchants Bank

BankMilford, Nebraska
www.bankfmb.com

Total Assets

$987.6M

Total Deposits

$827.4M

Branches

12

Established

1949

TFS Health Grade

$
D+

68.1 / 100

Below average financial health

How we grade

Farmers and Merchants Bank is a bank headquartered in Milford, Nebraska, established in 1949. With $987.6M in total assets and 12 branch locations, it has a TFS Financial Health Grade of D+ (68.1/100).

Capital & Safety

Tier 1 Capital Ratio
11.15%(8%)
Total Capital Ratio
22.40%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
0.89%(1%)
Return on Equity (ROE)
11.59%(10%)
Net Interest Margin
2.40%
Efficiency Ratio
58.55%(60%)

Lending & Liquidity

Total Loans
$246.3M
Loan-to-Deposit Ratio
29.65%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+2.15%
Deposit Growth (YoY)
+1.89%
Net Income
$8.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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