Farmers&Merchants Bk Colby (FDIC #34719): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Bk Colby (FDIC Cert #34719): bank stress 52/100, moderate, STABLE over 7 days; parent SECURITY BANCSHARES INC.
Farmers&Merchants Bk Colby (#34719) lends in 4 counties across 2 states; Farmers&Merchants Bk Colby (#34719) reaches 54 ZIP codes: Colorado 3 counties, 46 ZIPs; Kansas 1 county, 8 ZIPs.
Farmers&Merchants Bk Colby (#34719) largest markets: Adams County, CO (35 branches, 35 ZIPs) (#34719), Thomas County, KS (16 branches, 8 ZIPs) (#34719), Kit Carson County, CO (6 branches, 6 ZIPs) (#34719), Cheyenne County, CO (5 branches, 5 ZIPs) (#34719).
Farmers&Merchants Bk Colby (#34719) reports $650.8 million in total assets; Farmers&Merchants Bk Colby (#34719) equity $73.7 million (11.3% of Farmers&Merchants Bk Colby (#34719) assets); Farmers&Merchants Bk Colby (#34719) domestic deposits $511.3 million; Farmers&Merchants Bk Colby (#34719) net income $5.4 million; Farmers&Merchants Bk Colby (#34719) return on assets 1.69%; Farmers&Merchants Bk Colby (#34719) return on equity 15.27%; Farmers&Merchants Bk Colby (#34719) net interest income $10.8 million; Farmers&Merchants Bk Colby (#34719) call report June 30, 2026.
Farmers&Merchants Bk Colby (#34719) noncurrent real-estate loans: none reported; Farmers&Merchants Bk Colby (#34719) net charge-offs on real estate 0.00%.
Farmers&Merchants Bk Colby (#34719) net interest margin 3.71% against an eight-quarter Farmers&Merchants Bk Colby (#34719) average of 3.48% (Farmers&Merchants Bk Colby (#34719) compression -0.23 points); Farmers&Merchants Bk Colby (#34719) rate-exposure score 40/100, Farmers&Merchants Bk Colby (#34719) fixed-rate trap 40/100; Farmers&Merchants Bk Colby (#34719) risk type credit driven; Farmers&Merchants Bk Colby (#34719) rate regime rates elevated, Farmers&Merchants Bk Colby (#34719) snapshot October 20, 2026.
Farmers&Merchants Bk Colby (#34719) stress score moved from 50.4 on June 22, 2026 to 52.1 on October 20, 2026; Farmers&Merchants Bk Colby (#34719) ranged 50.4 to 52.1 over 117 snapshots.
Farmers&Merchants Bk Colby (#34719) alerts: 4 counties; top Farmers&Merchants Bk Colby (#34719) alert scores: Bennett County, KS 19 (low); Burlington County, KS 19 (low); Cheyenne Wells County, KS 19 (low); Colby County, KS 19 (low).