Bank · FDIC insured
Farmers and Merchants State Bank
A $232.9M bank headquartered in Bloomfield, NE, with 6 branches in 2 states.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers and Merchants State Bank
Founded in 1890, Farmers & Merchants State Bank is a family-owned bank serving customers and communities in northeast Nebraska.
Headquartered in Bloomfield, Nebraska, the bank operates branch locations in Bloomfield, Center, Crofton, Hartington, Niobrara, and Yankton.
- Headquarters
- 103 N Broadway St, Bloomfield, NE 68718
- FDIC certificate
- 13662 ↗
Branches
6 branches in 2 states
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Nebraska
5 branches
Bloomfield area · 1
- Farmers and Merchants State Bank, Bloomfield, NebraskaMain office103 N Broadway St, Bloomfield, NE 68718Directions
Center area · 1
- Center Branch301 Main St, Center, NE 68724Directions
Crofton area · 1
- Crofton Branch111 W Kansas St, Crofton, NE 68730Directions
Hartington area · 1
- Hartington Branch205 S Robinson Ave, Hartington, NE 68739Directions
Niobrara area · 1
- Niobrara Branch254 10 Park Avenue, Niobrara, NE 68760Directions
South Dakota
1 branch
- Yankton Branch89821 Hwy 81 S, Yankton, SD 57078Directions
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 | 9.45% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.07% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.62% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $63 | $81 | — |
- CapitalLeverage ratio9.45%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.07%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.62%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$63Peers’ 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 and Merchants State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.