Farmers and Merchants State Bank, Bloomfield, Nebraska

Bloomfield, NE

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
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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	C
Asset Quality Index	7.20
Capitalization Index	7.30
Liquidity Index	2.00
Profitability Index	8.40
Stability Index	5.70

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	13.27%
5-Year Asset Growth	10.15%
5-Year Charge-Offs to Average Loans	0.03%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.03%
Non-Performing Loans to Capital	0.47%
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	207.73M
Total Deposits	181.50M

Capital and Reserves	Farmers and Merchants State Bank, Bloomfield, Nebraska Bloomfield, NE	Click to Compare	Click to Compare	Click to Compare
Capital	19.52M
Leverage Ratio	9.18
Loan Loss Reserves to Loans	1.15%
Risk-Based Capital Ratio	15.94

Liquidity	Farmers and Merchants State Bank, Bloomfield, Nebraska Bloomfield, NE	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	29.08%
Liquidity Ratio	10.58%

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	1.33%
Net Income	2.64M
Net Interest Spread	3.95%
Operating Profit to Average Assets	2.15%
Overhead Efficiency Ratio	46.42%
Return on Assets	1.70%
Return on Equity	17.81%