Farmers & Merchants Bank of Colby

Farmers & Merchants Bank of Colby is a currently active agricultural specialization banking institution headquartered in Colby, Kansas. Established in 03/13/1998, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Farmers & Merchants Bank of Colby manages $637.1M in total assets and holds $499.9M in customer deposits. When evaluating the stability of Farmers & Merchants Bank of Colby, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 11.10%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.75%, while its Return on Equity (ROE) sits at 15.96%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.