BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Community
Specialty: Agricultural
NE
FDIC cert 16810
Milford, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Farmers and Merchants Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Loan-to-Deposit Ratio 53.41% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 11.95% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.26% below tier
- - Non-Interest-Bearing Deposit Share 14.38% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$987.6M
+2.2% YoY
+3.3% QoQ
|
-$403.8M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$245.3M
-4.1% YoY
+5.8% QoQ
|
-$730.1M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$827.4M
+1.9% YoY
+3.9% QoQ
|
-$337.2M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
0.89%
+14.8% YoY
-6.5% QoQ
|
-0.28% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
2.40%
-2.6% YoY
+1.2% QoQ
|
-1.26% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
58.55%
-9.3% YoY
+4.9% QoQ
|
-4.08% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
29.65%
-5.9% YoY
+1.8% QoQ
|
-53.41% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.66%
+393.2% YoY
-1.1% QoQ
|
-14.38% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
22.19%
+4.5% YoY
+2.8% QoQ
|
+11.95% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.26%
+59.0% YoY
+14.4% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
29.65%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.19%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.40%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
6.66%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
99
99th pctile
Loan-to-Deposit Ratio
Current: 29.65% · Tier avg: 83.06%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.19% · Tier avg: 10.24%
62
62th pctile
Efficiency Ratio
Current: 58.55% · Tier avg: 62.63%
49
49th pctile
Total Deposits
Current: $827.4M · Tier avg: $1.2B
49
49th pctile
Total Assets
Current: $987.6M · Tier avg: $1.4B
30
30th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.66% · Tier avg: 21.05%
5
5th pctile
Net Interest Margin
Current: 2.40% · Tier avg: 3.66%
2
2th pctile
Total Loans
Current: $245.3M · Tier avg: $975.5M
Top Weaknesses
2
2th pctile
Total Loans
Current: $245.3M · Tier avg: $975.5M
5
5th pctile
Net Interest Margin
Current: 2.40% · Tier avg: 3.66%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.66% · Tier avg: 21.05%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
30
30th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
49
49th pctile
Total Assets
Current: $987.6M · Tier avg: $1.4B
49
49th pctile
Total Deposits
Current: $827.4M · Tier avg: $1.2B
62
62th pctile
Efficiency Ratio
Current: 58.55% · Tier avg: 62.63%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.19% · Tier avg: 10.24%
99
99th pctile
Loan-to-Deposit Ratio
Current: 29.65% · Tier avg: 83.06%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%