Farmers and Merchants State Bank, Bloomfield, Nebraska
Major Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (8.6) profitability. Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 9.5.
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Excellent asset quality (7.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (35%), cash (7%), comm re (5%), comm loans (4%), consumer loans (2%), other (48%)
States with Branches:
NE
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Lauritzen Investments, Incorporated
Investment Rating
--
Address
103 North Broadway Street
Bloomfield, NE 68718
Bloomfield, NE 68718
Phone Number
(402) 373-4321
Year Founded
1895
FDIC Number
Website
Largest Affiliates
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