Farmers and Merchants Bank of Ashland: how it compares with its peers
Against 53 NE banks with half to twice its assets, Farmers and Merchants Bank of Ashland's strongest measure in Q2 2026 is net interest margin (4.19% vs. a 3.80% peer median). Its weakest relative measure is assets per employee ($7.6M vs. $8.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.33% | 1.35% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.19% | 3.80% | Top third Ahead of 70% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.67% | 57.47% | Middle third Ahead of 49% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $8.3M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.35% | 81.67% | Context |
What it means for lending operations
Its efficiency ratio of 57.67% is above the 57.47% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Hartington Hartington, NE · $151M
- State Bank of Table Rock Table Rock, NE · $150M
- Legends West Bank Lewellen, NE · $158M
- Bank of Dixon County Ponca, NE · $142M
- Hershey Bank Hershey, NE · $141M
- West Plains Bank Ainsworth, NE · $139M
Questions about Farmers and Merchants Bank of Ashland
How big is Farmers and Merchants Bank of Ashland?
Farmers and Merchants Bank of Ashland, established in 1883, is headquartered in Ashland, NE. It reported $152M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Farmers and Merchants Bank of Ashland's return on assets?
1.33% annualized in Q2 2026, against a 1.35% median for 53 NE banks with half to twice its assets, ahead of 47% of them.
What is Farmers and Merchants Bank of Ashland's efficiency ratio?
57.67% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 57.47%, and lower is better.
Is Farmers and Merchants Bank of Ashland growing its loans?
Net loans grew 5.3% over the year to Q2 2026, while deposits grew 11.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.