$178M
+20.2%y/y
Percentile by value85th percentileby value
FDIC
LNLSGRFM
Farmers and Merchants Bank
Milligan, NebraskaFDIC Cert #14275
STATEEstablished 19032 branches
Holding company: FM GROUP INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $4.64M |
| Investor CRE | $768K |
| Multifamily | $335K |
| Construction | $1.59M |
| 1–4 family | $19.2M |
| C&I | $15.4M |
| Agriculture | $134M |
| Other | $1.6M |
Loan book
Reported balances and balance-sheet intensity.
$176M
+20.2%y/y
Percentile by value85th percentileby value
FDIC
LNLSNET+20.24%
+55.3%y/y
Percentile by value92nd percentileby value
FDIC
LNLSNET109.1%
+0.3%y/y
Percentile by value97th percentileby value
FDIC
LNLSNET + DEP83.0%
+1.2%y/y
Percentile by value94th percentileby value
FDIC
LNLSNET + ASSET54.39%
−1.9%y/y
Percentile by value11th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
10%
−10.8%y/y
Percentile by value8th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC6%
Percentile by value19th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,053points
+2.3%y/y
Peer standing27th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD2.61%
−2.0%y/y
Percentile by value19th percentileby value
FDIC
LNRENROW + LNLSGR0.43%
−73.5%y/y
Percentile by value9th percentileby value
FDIC
LNRENROT + LNLSGR8.68%
−3.6%y/y
Percentile by value46th percentileby value
FDIC
LNCI + LNLSGR