Farmers and Merchants Bank
Milford, NE
IDRSSD: 455552
Total Assets
$956.21M
Latest filing
Total Deposits
$796.20M
Latest filing
Net Interest Margin
2.26%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Merchants Bank
617 1st St
Milford, NE 68405
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/05/1949FDIC Certificate 10915
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Farmers and Merchants Bank (Main) | 617 1st St | Milford, NE |
| JANSEN BRANCH | 309 Broad St | Jansen, NE |
| BEAVER CROSSING BRANCH | 900 Dimery Ave | Beaver Crossing, NE |
| PALMYRA BRANCH | 347 C St | Palmyra, NE |
| LAWRENCE BRANCH | 101 S Calvert St | Lawrence, NE |
| ERICSON STATE BANK BRANCH | 427 Central Ave | Ericson, NE |
| PANAMA BRANCH | 202 Locust St | Panama, NE |
| FIRTH BRANCH | 301 Nemaha St | Firth, NE |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/05/1949 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68405 |
| State and County Number | 31159 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Lincoln, NE |
Operational Info
| Number of Employees | 61 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 07/05/1949 |
| Primary Insurance Agency | DIF |
| Website | www.bankfmb.com |
| Data Updated | 11/14/2025 |
| CERT | 16810 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $956.21M |
| Total Deposits | $796.20M |
| Total Liabilities | $877.80M |
| Total Equity Capital | $78.41M |
| Net Income | $2.09M |
| Net Loans and Leases | $231.94M |
| Assets Per Employee ($Millions) | $15.42M |
| Bank Premises and Fixed Assets | $3.05M |
| Cash and Balances due from Depository Institutions | $11.94M |
| Deposits Held in Domestic Offices | $796.20M |
Key Performance Ratios
| Return on Assets (ROA) | 0.87% |
| Return on Equity (ROE) | 11.37% |
| Net Interest Margin | 2.26% |
| Efficiency Ratio | 60.75% |
| Tier 1 Risk-Based Capital Ratio | 21.593% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.2% |
| Earning Assets to total Assets | 89.88% |
Income and Expense
| Total Interest Income | $10.54M |
| Total Noninterest Income | $945.00k |
| Total Interest Expense | $5.64M |
| Total Noninterest Expense | $3.55M |
| Net Interest Income | $4.89M |
| Pre-tax Net Operating Income | $2.29M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $50.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $3.44M |
| All Other Liabilities | $28.15M |
| Total Liabilities and Capital | $956.21M |
Securities
| Securities | $620.66M |
| Available-for-sale debt securities | $620.48M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers and Merchants Bank?
$956.21M as of the latest filing.
How much are Farmers and Merchants Bank's total deposits?
$796.20M in total deposits.
Where is Farmers and Merchants Bank located?
Milford, NE.
What is the Net Interest Margin?
2.26%.
How many domestic offices does it operate?
12.
When was it established?
07/05/1949.
What is the Return on Assets (ROA)?
0.87%.
How much are total loans and leases?
$231.94M (latest filing).
What is the total interest income (latest filing)?
$10.54M.