TellerScore

Farmers and Merchants State Bank, Bloomfield, Nebraska (FDIC certificate #13662) is based in Bloomfield, Nebraska. Its Q2 2026 call report shows $232.9M in total assets and $209.7M in deposits and 6 offices across 2 states.

Based on its Q2 2026 filing, Farmers and Merchants State Bank, Bloomfield, Nebraska scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 57th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is capital cushion (45/100; 9.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.45%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 62.1% · 31.6% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.40%

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 7 points (70 → 77), mostly because the loan quality component improved by 24 points.

TellerScore
707987Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202471
Q4 202475
Q1 202575
Q2 202570
Q3 202575
Q4 202575
Q1 202676
Q2 202677
Tier 1 leverage ratio
5.00%9.51%14.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.02%
Q3 20249.18%
Q4 20249.94%
Q1 20259.62%
Q2 20259.68%
Q3 20259.18%
Q4 20259.60%
Q1 20269.63%
Q2 20269.45%
Noncurrent loans
0.04%0.41%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.24%
Q4 20240.05%
Q1 20250.09%
Q2 20250.78%
Q3 20250.07%
Q4 20250.05%
Q1 20260.05%
Q2 20260.07%
Return on assets
1.45%1.59%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.54%
Q3 20241.63%
Q4 20241.58%
Q1 20251.58%
Q2 20251.69%
Q3 20251.72%
Q4 20251.70%
Q1 20261.45%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$232.9M9.45%0.07%1.62%62.1%
Q1 202676$225.1M9.63%0.05%1.45%66.1%
Q4 202575$219.1M9.60%0.05%1.70%77.1%
Q3 202575$207.7M9.18%0.07%1.72%76.3%
Q2 202570$213.2M9.68%0.78%1.69%71.0%
Q1 202575$205.6M9.62%0.09%1.58%72.0%
Q4 202475$192.7M9.94%0.05%1.58%80.5%
Q3 202471$183.4M9.18%0.24%1.63%82.1%
Q2 202487$204.5M14.02%0.04%1.54%74.8%

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).

Capital ratio9.45%
20th
Total risk-based capital18.26%
82nd
Problem loans0.07%
76th
Net charge-offs0.00%
68th
Return on assets1.62%
72nd
Net interest margin3.71%
38th
Efficiency ratio46.8%
88th
Loans to deposits62.1%
80th
Uninsured deposits31.6%
24th
Loan-loss reserves1.24%
55th
Texas ratio0.4%
79th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Loomis, NE84 out of 100, Strong$232.5M11.8%0.01%vs
Town & Country BankBank Ravenna, NE92 out of 100, Very strong$228.9M14.1%0.00%vs
I3 BankBank Bennington, NE63 out of 100, Moderate$225.5M8.8%0.33%vs
Adams County BankBank Kenesaw, NE83 out of 100, Strong$241.1M11.8%0.00%vs
Nebraska Bank of CommerceBank Lincoln, NE66 out of 100, Moderate$241.2M9.6%0.33%vs
Citizens Bank & Trust CompanyBank Saint Paul, NE54 out of 100, Below average$242.3M11.4%2.42%vs

Deposit insurance

Is my money safe at Farmers and Merchants State Bank, Bloomfield, Nebraska?

Yes. Farmers and Merchants State Bank, Bloomfield, Nebraska is an FDIC-insured institution (FDIC certificate #13662). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.6% of deposits ($66.3M) 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 9.45%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.26% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Farmers and Merchants State Bank, Bloomfield, Nebraska lists 6 offices in 6 cities across 2 states. Most locations:

  • Bloomfield, NE (1)
  • Center, NE (1)
  • Crofton, NE (1)
  • Hartington, NE (1)
  • Niobrara, NE (1)
  • Yankton, SD (1)

All branch addresses and map

Identity & history

Profile

Legal name
Farmers and Merchants State Bank, Bloomfield, Nebraska
Type
State-chartered bank
FDIC certificate #
13662
RSSD ID
411651
Primary regulator
FDIC
Holding company
Lauritzen Investments Inc
Established
January 1, 1895
Headquarters
103 N Broadway St, Bloomfield, NE 68718
Employees
23

Quick answers

Farmers and Merchants State Bank, Bloomfield, Nebraska: common questions

Is Farmers and Merchants State Bank, Bloomfield, Nebraska FDIC insured?

Yes. Farmers and Merchants State Bank, Bloomfield, Nebraska is an FDIC-insured institution (FDIC certificate #13662). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers and Merchants State Bank, Bloomfield, Nebraska's TellerScore?

77 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 State Bank, Bloomfield, Nebraska ever failed?

There is no failure record for FDIC certificate #13662 in the FDIC failed bank list.

How many branches does Farmers and Merchants State Bank, Bloomfield, Nebraska have?

6 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bloomfield

InstitutionScoreAssetsCapitalProblem loansCompare
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
Cedar Security BankBank Fordyce, NE87 out of 100, Very strong$62.1M18.0%0.96%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
Security BankBank Laurel, NE78 out of 100, Strong$309.9M13.3%0.63%vs