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Farmers and Merchants Bank of Ashland
Ashland, NE · State-chartered bank (Fed member) · Part of Farmers & Merchants Finl Corp
- Total assets
- $152.2M
- Q2 2026
- Deposits
- $128M
- Net income
- $983K
- first half of 2026
- Return on assets
- 1.33%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 5377
- Main office
- Ashland, NE
- Holding company
- Farmers & Merchants Finl Corp
- Charter
- State-chartered bank (Fed member)
- Primary federal regulator
- Federal Reserve
- Established
- 11/15/1883
- FDIC insured since
- 01/01/1934
- U.S. offices
- 4
- Employees (full-time equivalent)
- 20
- Specialty
- Commercial Lending Specialization
- Website
- www.fmnb.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $152.2M | $146.2M | $144.1M | $144.1M | $137.7M | $140.2M | $135M | $133.8M |
| Deposits | $128M | $122.6M | $120.4M | $121M | $115M | $119.3M | $114.5M | $113.7M |
| Net loans and leases | $114.4M | $115.3M | $116.8M | $113.9M | $108.6M | $106.2M | $105.8M | $105.6M |
| Securities | $13.31M | $14.23M | $14.46M | $14.57M | $14.24M | $12.4M | $10.52M | $10.92M |
| Equity capital | $14.6M | $14.06M | $13.7M | $13.49M | $12.95M | $11.16M | $10.76M | $10.71M |
| Net income (year to date) | $983K | $483K | $1.53M | $1.02M | $648K | $390K | $726K | $533K |
| Return on assets | 1.33% | 1.33% | 1.09% | 0.98% | 0.94% | 1.13% | 0.56% | 0.55% |
| Return on equity | 13.92% | 13.92% | 12.36% | 11.30% | 11.15% | 14.24% | 6.91% | 6.80% |
| Net interest margin | 4.19% | 4.18% | 3.97% | 3.83% | 3.75% | 3.61% | 3.78% | 3.77% |
| Efficiency ratio | 57.7% | 61.1% | 62.4% | 64.0% | 67.5% | 63.0% | 79.4% | 78.7% |
| Noncurrent loans | 0.42% | 0.00% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net charge-off rate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Leverage (core capital) ratio | 10.00% | 9.89% | 9.66% | 9.92% | 9.63% | 8.34% | 8.42% | 8.40% |
| Total risk-based capital ratio | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 14.84% | 14.32% | 14.12% |
Assets grew 10.5% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$94.96M83.0%
- Commercial and industrial loans$11.1M9.7%
- Consumer loans$1.51M1.3%
Find bank branches in Nebraska · Employees: 20
Frequently asked questions
- What is Farmers and Merchants Bank of Ashland's FDIC certificate number?
- Farmers and Merchants Bank of Ashland's FDIC certificate number is 5377.
- How big is Farmers and Merchants Bank of Ashland?
- Farmers and Merchants Bank of Ashland reported total assets of $152.2M and deposits of $128M as of Q2 2026.
- Is Farmers and Merchants Bank of Ashland FDIC insured?
- Yes. Farmers and Merchants Bank of Ashland has been insured by the FDIC since 01/01/1934. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026