Farmers & Merchants Bank of Colby (FDIC certificate #34719) is based in Colby, Kansas. Its Q2 2026 call report shows $650.8M in total assets and $511.3M in deposits and 5 offices across 2 states.
Based on its Q2 2026 filing, Farmers & Merchants Bank of Colby scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 105th. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is funding & liquidity (52/100; 93% loans-to-deposits, 29% 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 4 points (69 → 73), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 69 |
| Q4 2024 | 68 |
| Q1 2025 | 71 |
| Q2 2025 | 69 |
| Q3 2025 | 65 |
| Q4 2025 | 70 |
| Q1 2026 | 79 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.13% |
| Q3 2024 | 11.11% |
| Q4 2024 | 10.52% |
| Q1 2025 | 10.76% |
| Q2 2025 | 11.03% |
| Q3 2025 | 11.33% |
| Q4 2025 | 11.01% |
| Q1 2026 | 11.05% |
| Q2 2026 | 11.23% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.54% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.74% |
| Q3 2025 | 1.25% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.61% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.14% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.45% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.75% |
| Q2 2026 | 1.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $650.8M | 11.23% | 0.61% | 1.69% | 93.0% |
| Q1 2026 | 79 | $637.1M | 11.05% | 0.00% | 1.75% | 91.6% |
| Q4 2025 | 70 | $639.9M | 11.01% | 0.66% | 1.40% | 90.3% |
| Q3 2025 | 65 | $596.8M | 11.33% | 1.25% | 1.45% | 94.7% |
| Q2 2025 | 69 | $592.1M | 11.03% | 0.74% | 1.40% | 94.4% |
| Q1 2025 | 71 | $592.3M | 10.76% | 0.49% | 1.37% | 89.0% |
| Q4 2024 | 68 | $569.8M | 10.52% | 0.51% | 1.14% | 89.2% |
| Q3 2024 | 69 | $541.8M | 11.11% | 0.54% | 1.26% | 95.6% |
| Q2 2024 | 67 | $518.8M | 11.13% | 0.79% | 1.23% | 94.4% |
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 Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Outdoor BankBank Manhattan, KS | 31 out of 100, Low | $648.8M | 9.2% | 3.83% | vs |
| The Bank of TescottBank Tescott, KS | 79 out of 100, Strong | $648.3M | 10.6% | 0.08% | vs |
| Exchange Bank & TrustBank Atchison, KS | 88 out of 100, Very strong | $626.8M | 13.0% | 0.23% | vs |
| First Bank KansasBank Salina, KS | 79 out of 100, Strong | $618.5M | 8.8% | 0.04% | vs |
| The BankBank Oberlin, KS | 59 out of 100, Moderate | $617.3M | 11.5% | 3.45% | vs |
| Union State BankBank Arkansas City, KS | 76 out of 100, Strong | $719.1M | 10.2% | 0.19% | vs |
Deposit insurance
Is my money safe at Farmers & Merchants Bank of Colby?
Yes. Farmers & Merchants Bank of Colby is an FDIC-insured institution (FDIC certificate #34719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.8% of deposits ($147.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.23%, well 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%).
5 locations
Branches
Farmers & Merchants Bank of Colby lists 5 offices in 4 cities across 2 states. Most locations:
- Colby, KS (2)
- Bennett, CO (1)
- Burlington, CO (1)
- Cheyenne Wells, CO (1)
Identity & history
Profile
- Legal name
- Farmers & Merchants Bank of Colby
- Type
- State-chartered bank
- FDIC certificate #
- 34719
- RSSD ID
- 2667939
- Primary regulator
- FDIC
- Holding company
- Security Bancshares Inc
- Established
- March 13, 1998
- Headquarters
- 240 W 4th St, Colby, KS 67701
- Website
- www.fmbcolby.com
- Employees
- 41
Quick answers
Farmers & Merchants Bank of Colby: common questions
Is Farmers & Merchants Bank of Colby FDIC insured?
Yes. Farmers & Merchants Bank of Colby is an FDIC-insured institution (FDIC certificate #34719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers & Merchants Bank of Colby's TellerScore?
73 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 & Merchants Bank of Colby ever failed?
There is no failure record for FDIC certificate #34719 in the FDIC failed bank list.
How many branches does Farmers & Merchants Bank of Colby have?
5 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Colby
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Adams Bank & TrustBank Ogallala, NE | 82 out of 100, Strong | $1.3B | 14.1% | 0.55% | vs |
| The Farmers State Bank of Oakley, KansasBank Oakley, KS | 76 out of 100, Strong | $396.1M | 11.6% | 0.01% | vs |
| Farmers Bank & TrustBank Atwood, KS | 73 out of 100, Strong | $159.0M | 10.6% | 0.75% | vs |
| The BankBank Oberlin, KS | 59 out of 100, Moderate | $617.3M | 11.5% | 3.45% | vs |
| Sunflower Bank, National AssociationBank Dallas, TX | 51 out of 100, Below average | $15.7B | 10.3% | 1.63% | vs |
| The Western State BankBank Garden City, KS | 49 out of 100, Below average | $802.1M | 10.7% | 3.04% | vs |