FARMERS&MERCHANTS INV INC is the parent banking group. UNION BANK AND TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

FARMERS&MERCHANTS INV INC

Legal name: FARMERS & MERCHANTS INVESTMENT, INC.

1 active bank · $9.2B combined assets

RSSD ID: 1053580 (FFIEC NIC)

Combined Assets

$9.2B

CRA Rating Summary

Satisfactory1charter

Across all 13 exams on record for this banking group's charters, 92% resulted in Outstanding or Satisfactory.

Primary bankUNION BANK AND TRUST COMPANYLINCOLN, NESatisfactory$9.2BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$9.2B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$7.6B

Net Income

$36M

ROA (avg)

1.56%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

1,748

Origination Rate

72.48%

Denial Rate

14.53%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
UNION BANK AND TRUST COMPANY	LINCOLN, NE	FDIC	$9.2B	88.0%	Satisfactory	Jul 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.