Farmers and Merchants Bank (FDIC certificate #14275) is based in Milligan, Nebraska. Its Q2 2026 call report shows $215.4M in total assets and $165.1M in deposits and 2 offices across 2 states.
Farmers and Merchants Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 50th. Problem-loan coverage contributes the most (97/100, 1.3%); funding & liquidity contributes the least (53/100, 107% loans-to-deposits, 12% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (68 → 78), mostly because the loan quality component improved by 32 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 79 |
| Q4 2024 | 76 |
| Q1 2025 | 75 |
| Q2 2025 | 68 |
| Q3 2025 | 72 |
| Q4 2025 | 73 |
| Q1 2026 | 74 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.18% |
| Q3 2024 | 11.72% |
| Q4 2024 | 11.54% |
| Q1 2025 | 12.21% |
| Q2 2025 | 11.84% |
| Q3 2025 | 11.65% |
| Q4 2025 | 11.70% |
| Q1 2026 | 11.56% |
| Q2 2026 | 11.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.53% |
| Q2 2025 | 1.14% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.19% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.03% |
| Q3 2024 | 1.95% |
| Q4 2024 | 1.87% |
| Q1 2025 | 1.47% |
| Q2 2025 | 1.46% |
| Q3 2025 | 1.59% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $215.4M | 11.08% | 0.19% | 1.78% | 107.1% |
| Q1 2026 | 74 | $211.8M | 11.56% | 0.57% | 1.68% | 109.1% |
| Q4 2025 | 73 | $205.1M | 11.70% | 0.64% | 1.64% | 115.5% |
| Q3 2025 | 72 | $195.8M | 11.65% | 0.68% | 1.59% | 114.8% |
| Q2 2025 | 68 | $187.8M | 11.84% | 1.14% | 1.46% | 107.8% |
| Q1 2025 | 75 | $178.4M | 12.21% | 0.53% | 1.47% | 108.8% |
| Q4 2024 | 76 | $182.1M | 11.54% | 0.56% | 1.87% | 106.2% |
| Q3 2024 | 79 | $181.5M | 11.72% | 0.37% | 1.95% | 104.0% |
| Q2 2024 | 81 | $164.8M | 12.18% | 0.40% | 2.03% | 108.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| I3 BankBank Bennington, NE | 63 out of 100, Moderate | $225.5M | 8.8% | 0.33% | vs |
| Town & Country BankBank Ravenna, NE | 92 out of 100, Very strong | $228.9M | 14.1% | 0.00% | vs |
| Minden Exchange Bank & Trust CompanyBank Minden, NE | 82 out of 100, Strong | $201.4M | 19.8% | 1.23% | vs |
| York State BankBank York, NE | 90 out of 100, Very strong | $200.2M | 13.9% | 0.20% | vs |
| First State BankBank Farnam, NE | 79 out of 100, Strong | $199.5M | 11.9% | 0.33% | vs |
| First State BankBank Loomis, NE | 84 out of 100, Strong | $232.5M | 11.8% | 0.01% | vs |
Deposit insurance
Is my money safe at Farmers and Merchants Bank?
Yes. Farmers and Merchants Bank is an FDIC-insured institution (FDIC certificate #14275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.4% of deposits ($20.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.97% (benchmark: 10%).
2 locations
Branches
Farmers and Merchants Bank lists 2 offices in 2 cities across 2 states. Most locations:
- Cawker City, KS (1)
- Milligan, NE (1)
Identity & history
Profile
- Legal name
- Farmers and Merchants Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14275
- RSSD ID
- 516154
- Primary regulator
- FDIC
- Holding company
- Fm Group Inc
- Established
- June 10, 1903
- Headquarters
- 501 Main St, Milligan, NE 68406
- Website
- www.fmbmilligan.com
- Employees
- 16
Quick answers
Farmers and Merchants Bank: common questions
Is Farmers and Merchants Bank FDIC insured?
Yes. Farmers and Merchants Bank is an FDIC-insured institution (FDIC certificate #14275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers and Merchants Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Farmers and Merchants Bank ever failed?
There is no failure record for FDIC certificate #14275 in the FDIC failed bank list.
How many branches does Farmers and Merchants Bank have?
2 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Milligan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| York State BankBank York, NE | 90 out of 100, Very strong | $200.2M | 13.9% | 0.20% | vs |
| Heartland BankBank Geneva, NE | 80 out of 100, Strong | $911.1M | 10.3% | 0.13% | vs |
| Farmers and Merchants BankBank Milford, NE | 78 out of 100, Strong | $1.1B | 10.6% | 0.00% | vs |
| Citizens State BankBank Carleton, NE | 78 out of 100, Strong | $35.6M | 11.4% | 0.00% | vs |
| Jones BankBank Seward, NE | 77 out of 100, Strong | $441.2M | 11.2% | 0.39% | vs |
| First Bank of UticaBank Utica, NE | 76 out of 100, Strong | $77.4M | 14.3% | 0.63% | vs |