Farmers&Merchants Bank (FDIC #16810): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Bank (FDIC Cert #16810): bank stress 79/100, severe, STABLE over 7 days; parent COUNTRY BANK SHARES INC.
Farmers&Merchants Bank (#16810) lends in 9 counties across 1 state; Farmers&Merchants Bank (#16810) reaches 132 ZIP codes: Nebraska 9 counties, 132 ZIPs.
Farmers&Merchants Bank (#16810) largest markets: Lancaster County, NE (88 branches, 44 ZIPs) (#16810), Cass County, NE (20 branches, 20 ZIPs) (#16810), Otoe County, NE (20 branches, 20 ZIPs) (#16810), Seward County, NE (38 branches, 19 ZIPs) (#16810), Buffalo County, NE (14 branches, 14 ZIPs) (#16810), Jefferson County, NE (13 branches, 13 ZIPs) (#16810).
Farmers&Merchants Bank (#16810) reports $1.05 billion in total assets; Farmers&Merchants Bank (#16810) equity $88.0 million (8.3% of Farmers&Merchants Bank (#16810) assets); Farmers&Merchants Bank (#16810) domestic deposits $885.6 million; Farmers&Merchants Bank (#16810) net income $4.6 million; Farmers&Merchants Bank (#16810) return on assets 0.89%; Farmers&Merchants Bank (#16810) return on equity 10.71%; Farmers&Merchants Bank (#16810) net interest income $10.5 million; Farmers&Merchants Bank (#16810) call report June 30, 2026.
Farmers&Merchants Bank (#16810) noncurrent real-estate loans: none reported; Farmers&Merchants Bank (#16810) net charge-offs on real estate 0.00%.
Farmers&Merchants Bank (#16810) net interest margin 2.27% against an eight-quarter Farmers&Merchants Bank (#16810) average of 2.39% (Farmers&Merchants Bank (#16810) compression 0.12 points); Farmers&Merchants Bank (#16810) rate-exposure score 40/100, Farmers&Merchants Bank (#16810) fixed-rate trap 40/100; Farmers&Merchants Bank (#16810) risk type credit driven; Farmers&Merchants Bank (#16810) rate regime rates elevated, Farmers&Merchants Bank (#16810) snapshot October 19, 2026.
Farmers&Merchants Bank (#16810) stress score moved from 78.2 on June 22, 2026 to 78.5 on October 20, 2026; Farmers&Merchants Bank (#16810) ranged 78.2 to 78.5 over 117 snapshots.
Farmers&Merchants Bank (#16810) alerts: 9 counties; top Farmers&Merchants Bank (#16810) alert scores: Kearney County, NE 33 (low); Ericson County, NE 25 (low); Jansen County, NE 25 (low); Milford County, NE 25 (low); Palmyra County, NE 25 (low).