Bank · FDIC insured
Farmers & Merchants Bank of Colby
A $650.8M bank headquartered in Colby, KS, with 5 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings750.05%5.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers & Merchants Bank of Colby
Farmers & Merchants Bank of Colby is a locally owned bank serving northwest Kansas and eastern Colorado across five branch locations.
The bank has been in Colby for 139 years and at its present location since 1978.
- Headquarters
- 240 W 4th St, Colby, KS 67701
- FDIC certificate
- 34719 ↗
Branches
5 branches in 2 states
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Colorado
3 branches
Denver area · 1
- F&M Bank In Colorado - Bennett Branch1077 Cedar St., Bennett, CO 80102Directions
Burlington area · 1
- F&Mk Bank In Colorado - Burlington Branch410 14th St, Burlington, CO 80807Directions
Cheyenne Wells area · 1
- F&M Bank In Colorado - Cheyenne Wells Branch25 E 1st St, Cheyenne Wells, CO 80810Directions
Kansas
2 branches
- Farmers & Merchants Bank of ColbyMain office240 W 4th St, Colby, KS 67701Directions
- Dillons Branch1605 S Range Ave, Colby, KS 67701Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.23% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.61% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.69% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $94 | $81 | — |
- CapitalLeverage ratio11.23%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.61%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.69%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$94Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers & Merchants Bank of Colby are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.