Farmers and Merchants State Bank, Bloomfield, Nebraska

Bloomfield, NE

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Farmers and Merchants State Bank, Bloomfield, Nebraska Bloomfield, NE	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	7.40
Capitalization Index	7.70
Liquidity Index	2.90
Profitability Index	8.60
Stability Index	6.30

Company Info	Farmers and Merchants State Bank, Bloomfield, Nebraska Bloomfield, NE	Click to Compare	Click to Compare	Click to Compare
FDIC Number	13662
Phone Number	(402) 373-4321
Website	www.fandmstatebank.com

Asset Quality	Farmers and Merchants State Bank, Bloomfield, Nebraska Bloomfield, NE	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	9.24%
5-Year Asset Growth	8.14%
5-Year Charge-Offs to Average Loans	0.02%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.03%
Non-Performing Loans to Capital	0.40%
Non-Performing Loans to Loans	0.05%

Balance Sheet	Farmers and Merchants State Bank, Bloomfield, Nebraska Bloomfield, NE	Click to Compare	Click to Compare	Click to Compare
Total Assets	232.86M
Total Deposits	209.67M

Capital and Reserves	Farmers and Merchants State Bank, Bloomfield, Nebraska Bloomfield, NE	Click to Compare	Click to Compare	Click to Compare
Capital	21.74M
Leverage Ratio	9.45
Loan Loss Reserves to Loans	1.24%
Risk-Based Capital Ratio	18.26

Liquidity	Farmers and Merchants State Bank, Bloomfield, Nebraska Bloomfield, NE	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	27.46%
Liquidity Ratio	23.59%

Profitability	Farmers and Merchants State Bank, Bloomfield, Nebraska Bloomfield, NE	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.38%
Net Income	1.82M
Net Interest Spread	3.71%
Operating Profit to Average Assets	2.05%
Overhead Efficiency Ratio	46.84%
Return on Assets	1.63%
Return on Equity	17.34%