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Farmers and Merchants Bank (16810)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.bankfmb.com
402-761-7600
617 First Street
Milford, NE 68405

Farmers and Merchants Bank (16810) is headquartered in MILFORD and is the 23rd largest bank in the state of Nebraska. It is also the 1,074th largest bank in the nation. It was established in 1949 and as of March of 2025, it had grown to 59 employees at 12 locations. Farmers and Merchants Bank (16810)'s money market rates are 14% higher than the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #16810
Year Established1949
Employees59
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD13.74%
Annual Interest Income$10.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$969.2MM$891.9MM
LoansQ1 2025vs Q1 2024$236MM$240.2MM
DepositsQ1 2025vs Q1 2024$819.2MM$747.1MM
Equity CapitalQ1 2025vs Q1 2024$70MM$69.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$964K$1.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1,000$172K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers and Merchants Bank (16810) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$10k*-Passbook Savings Accounts
OTHER TIERS: 0.10% → $0 - $5k | 0.20% → $5k - $10k
0.30%*$10k*-Youth Passbook Savings Accounts
OTHER TIERS: 0.10% → $0 - $5k | 0.20% → $5k - $10k
0.10%$0-Health Savings Accounts

Farmers and Merchants Bank (16810) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$75k*-Money Market Account
OTHER TIERS: 0.10% → $0 - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $75k

Farmers and Merchants Bank (16810) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$100k*-Prime Fund
OTHER TIERS: 0.25% → $0 - $25k | 1.00% → $25k - $100k
2.02%*$0$25kSmart Checking
OTHER TIERS: 0.05% → $25k+
0.10%$1k-Business Advantage Plus
0.10%$0-SmartEveryday Checking
0.10%$0-Smart55 Checking

Farmers and Merchants Bank (16810) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.37%*$75k*-9 Month Time Certificate Special
OTHER TIERS: 4.06% → $5k - $25k | 4.16% → $25k - $75k
4.37%*$75k*-Minors 9 Month Time Certificate Special
OTHER TIERS: 4.06% → $500 - $25k | 4.16% → $25k - $75k
4.37%*$75k*-NPO 9 Month Time Certificate Special
OTHER TIERS: 4.06% → $500 - $25k | 4.16% → $25k - $75k
1.41%*$30k*-36 Month Time CD
OTHER TIERS: 1.21% → $1.5k - $10k | 1.31% → $10k - $30k
1.41%*$30k*-NPOs 36 Month Time CD
OTHER TIERS: 1.21% → $500 - $10k | 1.31% → $10k - $30k
1.41%*$30k*-Minors 36 Month Time CD
OTHER TIERS: 1.21% → $500 - $10k | 1.31% → $10k - $30k
1.31%*$30k*-24 Month Time CD
OTHER TIERS: 1.00% → $1.5k - $10k | 1.21% → $10k - $30k
1.31%*$30k*-30 Month Time CD
OTHER TIERS: 1.00% → $1.5k - $10k | 1.21% → $10k - $30k
1.31%*$30k*-NPOs 24 Month Time CD
OTHER TIERS: 1.00% → $500 - $10k | 1.21% → $10k - $30k
1.31%*$30k*-NPOs 30 Month Time CD
OTHER TIERS: 1.00% → $500 - $10k | 1.21% → $10k - $30k
1.31%*$30k*-Minors 24 Month Time CD
OTHER TIERS: 1.00% → $500 - $10k | 1.21% → $10k - $30k
1.31%*$30k*-Minors 30 Month Time CD
OTHER TIERS: 1.00% → $500 - $10k | 1.21% → $10k - $30k
1.10%*$30k*-18 Month Time CD
OTHER TIERS: 0.90% → $1.5k - $10k | 1.00% → $10k - $30k
1.10%*$30k*-NPOs 18 Month Time CD
OTHER TIERS: 0.90% → $500 - $10k | 1.00% → $10k - $30k
1.10%*$30k*-Minors 18 Month Time CD
OTHER TIERS: 0.90% → $500 - $10k | 1.00% → $10k - $30k
0.85%*$30k*-12 Month Time CD
OTHER TIERS: 0.75% → $1.5k - $10k | 0.80% → $10k - $30k
0.85%*$30k*-NPOs 12 Month Time CD
OTHER TIERS: 0.75% → $500 - $10k | 0.80% → $10k - $30k
0.85%*$30k*-Minors 12 Month Time CD
OTHER TIERS: 0.75% → $500 - $10k | 0.80% → $10k - $30k
0.50%*$30k*-6 Month Time CD
OTHER TIERS: 0.30% → $1.5k - $10k | 0.40% → $10k - $30k
0.50%*$30k*-NPOs 6 Month Time CD
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $30k
0.50%*$30k*-Minors 6 Month Time CD
OTHER TIERS: 0.30% → $500 - $10k | 0.40% → $10k - $30k
0.30%*$30k*-3 Month Time CD
OTHER TIERS: 0.10% → $1.5k - $10k | 0.20% → $10k - $30k
0.30%*$30k*-NPOs 3 Month Time CD
OTHER TIERS: 0.10% → $500 - $10k | 0.20% → $10k - $30k
0.30%*$30k*-Minors 3 Month Time CD
OTHER TIERS: 0.10% → $500 - $10k | 0.20% → $10k - $30k

Farmers and Merchants Bank (16810) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.37%*$75k*-9 Month Fixed Rate IRA Special
OTHER TIERS: 4.06% → $5k - $25k | 4.16% → $25k - $75k
1.41%*$30k*-36 Month Fixed Rate IRA
OTHER TIERS: 1.21% → $1.5k - $10k | 1.31% → $10k - $30k
1.31%*$30k*-24 Month Fixed Rate IRA
OTHER TIERS: 1.00% → $1.5k - $10k | 1.21% → $10k - $30k
1.31%*$30k*-30 Month Fixed Rate IRA
OTHER TIERS: 1.00% → $1.5k - $10k | 1.21% → $10k - $30k
1.10%*$30k*-18 Month Fixed Rate IRA
OTHER TIERS: 0.90% → $1.5k - $10k | 1.00% → $10k - $30k
0.85%*$30k*-12 Month Fixed Rate IRA
OTHER TIERS: 0.75% → $1.5k - $10k | 0.80% → $10k - $30k
0.50%$0-Variable Rate IRA
0.50%*$30k*-6 Month Fixed Rate IRA
OTHER TIERS: 0.30% → $1.5k - $10k | 0.40% → $10k - $30k
0.30%*$30k*-3 Month Fixed Rate IRA
OTHER TIERS: 0.10% → $1.5k - $10k | 0.20% → $10k - $30k
Locations

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