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.

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 71).

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

Yes. Farmers and Merchants Bank of Ashland is an FDIC-insured institution (FDIC certificate #5377). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.0% of deposits ($16.7M) 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 10.00%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Farmers and Merchants Bank of Ashland lists 1 office in 1 city. Most locations:

• Ashland, NE (1)

All branch addresses and map

In 2025, Farmers and Merchants Bank of Ashland reported 51 home-loan applications under HMDA (LEI 549300XRWSRSRH3E3804): 43 originated ($11,865,000 total), 3 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Farmers and Merchants Bank of Ashland

Former names

The Farmers & Merchants National Bank of Ashland

Type

State-chartered bank (Fed member)

FDIC certificate #

5377

RSSD ID

398051

Primary regulator

FED

Holding company

Farmers&merchants Finl Corp

Established

November 15, 1883

Headquarters

1501 Silver St, Ashland, NE 68003

Website

www.fmnb.com

Employees

20