Farmers & Merchants Bank of Colby
Colby, KS
IDRSSD: 2667939
Total Assets
$639.86M
Latest filing
Total Deposits
$503.98M
Latest filing
Net Interest Margin
3.63%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers & Merchants Bank of Colby
240 W 4th St
Colby, KS 67701
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/13/1998FDIC Certificate 61323
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers & Merchants Bank of Colby (Main) | 240 W 4th St | Colby, KS |
| F&MK BANK IN COLORADO - BURLINGTON BRANCH | 410 14th St | Burlington, CO |
| DILLONS BRANCH | 1605 S Range Ave | Colby, KS |
| F&M BANK IN COLORADO - CHEYENNE WELLS BRANCH | 25 E 1st St | Cheyenne Wells, CO |
| F&M BANK IN COLORADO - BENNETT BRANCH | 1077 Cedar St. | Bennett, CO |
Showing 4 of 4
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 | 03/13/1998 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67701 |
| State and County Number | 20193 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | N/A |
Operational Info
| Number of Employees | 38 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/10/2023 |
| Date of Deposit Insurance | 03/13/1998 |
| Primary Insurance Agency | DIF |
| Website | www.fmbcolby.com |
| Data Updated | 01/30/2026 |
| CERT | 34719 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $639.86M |
| Total Deposits | $503.98M |
| Total Liabilities | $570.94M |
| Total Equity Capital | $68.92M |
| Net Income | $1.96M |
| Net Loans and Leases | $455.13M |
| Assets Per Employee ($Millions) | $16.41M |
| Bank Premises and Fixed Assets | $16.01M |
| Cash and Balances due from Depository Institutions | $6.51M |
| Deposits Held in Domestic Offices | $503.98M |
Key Performance Ratios
| Return on Assets (ROA) | 1.27% |
| Return on Equity (ROE) | 11.4% |
| Net Interest Margin | 3.63% |
| Efficiency Ratio | 51.34% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.772% |
| Earning Assets to total Assets | 90.51% |
Income and Expense
| Total Interest Income | $9.32M |
| Total Noninterest Income | $303.00k |
| Total Interest Expense | $4.24M |
| Total Noninterest Expense | $2.99M |
| Net Interest Income | $5.08M |
| Pre-tax Net Operating Income | $1.99M |
| Provision for Credit Losses | $400.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $56.95M |
| Federal Funds Sold & Reverse Repurchase Agreement | $26.65M |
| Federal Funds Purchased and Repurchased Agreement | $6.56M |
| All Other Liabilities | $3.45M |
| Total Liabilities and Capital | $639.86M |
Securities
| Securities | $97.23M |
| Available-for-sale debt securities | $88.12M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $9.11M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers & Merchants Bank of Colby?
$639.86M as of the latest filing.
How much are Farmers & Merchants Bank of Colby's total deposits?
$503.98M in total deposits.
Where is Farmers & Merchants Bank of Colby located?
Colby, KS.
What is the Net Interest Margin?
3.63%.
How many domestic offices does it operate?
5.
When was it established?
03/13/1998.
What is the Return on Assets (ROA)?
1.27%.
How much are total loans and leases?
$455.13M (latest filing).
What is the total interest income (latest filing)?
$9.32M.