Total Assets
$1.1B
Total Deposits
$885.6M
Branches
12
Established
1949
Farmers and Merchants Bank is a bank headquartered in Milford, Nebraska, established in 1949. It holds $1.1B in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Farmers and Merchants Bank earns a TFS Financial Health Grade of C+ (70.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
70.9 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
Watching Farmers and Merchants Bank?
Get a free alert the moment its TFS financial-health grade changes. No spam, ever.
Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Farmers and Merchants BankHQ | 617 1st St | Milford | NE | 11 |
| Farmers and Merchants Bank | 900 Dimery Ave | Beaver Crossing | NE | 11 |
| Farmers and Merchants Bank | 427 Central Ave | Ericson | NE | 11 |
| Farmers and Merchants Bank | 301 Nemaha St | Firth | NE | 11 |
| Farmers and Merchants Bank | 309 Broad St | Jansen | NE | 11 |
| Farmers and Merchants Bank | 3015 2nd Ave | Kearney | NE | 11 |
| Farmers and Merchants Bank | 101 S Calvert St | Lawrence | NE | 11 |
| Farmers and Merchants Bank | 347 C St | Palmyra | NE | 11 |
| Farmers and Merchants Bank | 202 Locust St | Panama | NE | 11 |
| Farmers and Merchants Bank | 355 N Central Ave | Superior | NE | 11 |
| Farmers and Merchants Bank | 201 Eldora Avenue | Weeping Water | NE | 11 |
| Farmers and Merchants Bank | 321 S Main St | Wilber | NE | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
70.9
Tier 1 capital ratio
10.64%
Return on assets
0.89%
Non-performing loans
0.00%
Efficiency ratio
53.39%
Asset growth (YoY)
8.44%
Suggested direct comparisons
Omaha, NE
$5.2B
$1.1B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.