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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Milligan, NE · FDIC certificate #14275
FARMERS&MERCHANTS BANK is an FDIC-insured institution based in Milligan, NE (FDIC certificate #14275). In its Q3 2026 Call Report it reported total assets of $219M, total deposits of $168M and net loans of $174M. Its primary federal regulator is FDIC.
Plain-language readout
FARMERS&MERCHANTS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $219M in Q3 2026 and were lowest at $212M in Q1 2026.
Total deposits were highest at $168M in Q3 2026 and lowest at $161M in Q1 2026.
Over the whole period total assets rose 3.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $219M | $168M | $174M | 1.77% | 15.68% | 3.31% |
| Q2 2026 | $215M | $165M | $177M | 1.78% | 15.75% | 3.36% |
| Q1 2026 | $212M | $161M | $176M | 1.68% | 14.74% | 3.35% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $32.5M | $30.2M | +$2.3M | +7.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $0K | $0K | $0K | n/a |
| Equity securities with readily determinable fair values, not held for trading | $72K | $56K | +$16K | +28.6% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $176.9M | $175.7M | +$1.2M | +0.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $727K | $740K | -$13K | -1.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $157K | $195K | -$38K | -19.5% |
| All other assets | $5.0M | $4.9M | +$179K | +3.7% |
| Total assets | $215.4M | $211.8M | +$3.6M | +1.7% |
| Liabilities | ||||
| Total deposits | $165.1M | $161.1M | +$4.0M | +2.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $25.5M | $25.5M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $973K | $1.0M | -$37K | -3.7% |
| Total liabilities | $191.7M | $187.7M | +$4.0M | +2.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $125K | $125K | $0K | 0.0% |
| Surplus | $19.9M | $19.9M | $0K | 0.0% |
| Retained earnings | $3.8M | $4.2M | -$395K | -9.5% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.8M | $24.2M | -$395K | -1.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $332K | $1.0M | -$674K | -67.0% |
| Adjusted nonperforming assets | $169K | $826K | -$657K | -79.5% |
| Tangible equity plus allowance | $25.5M | $25.8M | -$281K | -1.1% |
| Texas ratio (gross) | 1.30% | 3.90% | -2.60 pts | See points |
| Texas ratio (adjusted) | 0.66% | 3.20% | -2.54 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.12% | 7.61% | -2.49 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.84% | 14.12% | -0.28 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.84% | 14.12% | -0.28 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.13% | 1.09% | +0.04 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.97% | 15.22% | -0.25 pts | See points |
| Tier 1 leverage (approximate) | 11.08% | 11.56% | -0.48 pts | See points |
| Construction and land loans to total capital | 6.35% | 6.15% | +0.19 pts | See points |
| Commercial real estate to total capital | 10.64% | 10.42% | +0.21 pts | See points |
| Dividend payout, year to date | 85.33% | 22.78% | +62.55 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $108.1M | $104.7M | +$3.4M | +3.3% |
| Non-core funding | $82.5M | $81.9M | +$604K | +0.7% |
| Loans to core deposits | 165.41% | 169.62% | -4.20 pts | See points |
| Loans to deposits | 108.32% | 110.24% | -1.92 pts | See points |
| Brokered deposits share of deposits | 19.88% | 20.22% | -0.34 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 32.44% | 28.08% | +4.36 pts | See points |
| Volatile liabilities | $92.5M | $89.4M | +$3.1M | +3.4% |
| Earnings | ||||
| Earnings before provision, year to date | $2.0M | $971K | +$1.1M | +109.0% |
| Earnings before provision, single quarter | $1.1M | $971K | +$87K | +9.0% |
| Provision for credit losses, year to date | $150K | $75K | +$75K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.67% | 6.59% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 3.80% | 3.81% | -0.00 pts | See points |
| Total interest income to average assets | 6.15% | 6.07% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.14% | 0.16% | -0.03 pts | See points |
| Cost of savings and money market deposits | 2.51% | 2.41% | +0.10 pts | See points |
| Cost of time deposits | 4.21% | 4.19% | +0.02 pts | See points |
| Total interest expense to average assets | 2.92% | 2.87% | +0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $219M | $168M | $174M | 1.77% | 15.68% | 3.31% |
| 2026-06-30 | $215M | $165M | $177M | 1.78% | 15.75% | 3.36% |
| 2026-03-31 | $212M | $161M | $176M | 1.68% | 14.74% | 3.35% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $119.2M | 0.13% | 101 | Continuing · +0.01 pp |
| KS | $20.3M | 0.02% | 227 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.