FDIC Cert #8735 · Dumas, Arkansas · Est. 1909

Merchants and Farmers Bank - FDIC Bank Health Profile

A community-scale look at Merchants and Farmers Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$271M
Total assets
B
Health grade · Good
1.48%
Return on assets
12.6%
Tier 1 capital

Data updated July 2026

The verdict

Merchants and Farmers Bank earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.64% Tier 1, profitable at 1.48% ROA, 60% efficiency ratio.

#2,644
largest of 4,313 FDIC banks by assets
39th
percentile by asset size, nationally
12.64%
Tier 1 ratio - above the 10% well-capitalized line
73rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 8735 · AR B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2109/4307
  • PHOTO-FINISH Tensas State Bank · LA
  • TIER1-WELL 12.6% Tier 1
  • TEXAS-CLEAN 10.8% Texas
  • ROA-STRONG 1.48% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Tensas State Bank, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Merchants and Farmers Bank

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Atkins Savings Bank… · IA · …79/100First State Bank of… · MN · …79/100First State Bank of… · MT · …79/100Merchants and Farmer… · AR ·…79/100Tensas State Bank · LA · near79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Merchants and Farmers Bank · July 2026

What Merchants and Farmers Bank's Call Report plate shows

Merchants and Farmers Bank (FDIC Cert #8735) carries a PlainBankData health grade of B at 79/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,109 of 4,307. Tier 1 capital prints at 12.64%, clearing the 10% well-capitalized line. The Texas Ratio is 10.79%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.48%. Balance-sheet scale is $271M, 2,644th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Tensas State Bank (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Merchants and Farmers Bank

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

Merchants and Farmers Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Merchants and Farmers Bank remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

How Merchants and Farmers Bank's 79/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10079/100
Merchants and Farmers Bank's composite health score
Tier 1 Capital Ratio (12.64%) 35/40
Return on Assets (ROA) (1.48%) 20/25
Texas Ratio (10.79%) 16/20
Efficiency Ratio (60.16%) 8/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$271M

Total balance-sheet footings

Total Deposits

$231M

Customer-funded liabilities

Net Loans

$218M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.24% 12.64% 14.04%
Basel III capital ratios - Merchants and Farmers Bank

Where Merchants and Farmers Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Merchants and Farmers Bank's score of 79/100 falls in the highlighted band.

Merchants and Farmers Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 49% higher than 51% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Merchants and Farmers Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Merchants and Farmers Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Merchants and Farmers Bank's $271M falls in the highlighted band.

Safety ratios for Merchants and Farmers Bank

Tier 1 capital ratio
Well-capitalized 10%

12.64% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.64%
Texas Ratio
10.79%
Equity Capital
$28M

What these ratios mean →

Earnings posture at Merchants and Farmers Bank

Return on Assets (ROA)
73rd percentile nationally
1.48%
Return on Equity (ROE)
14.42%
Efficiency Ratio
60.16%

What these mean →

Income & expense at Merchants and Farmers Bank

$19M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Merchants and Farmers Bank reports a Texas Ratio of 10.79% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.79% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Merchants and Farmers Bank on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($271M here), outside Arkansas so the neighborhood is not state containment.

Bank of the Federated States of Micro… $271M · FM Incommons Bank $271M · TX East Wisconsin Savings Bank $271M · WI Bank of The Rockies $270M · MT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Merchants and Farmers Bank (FDIC Cert #8735) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Merchants and Farmers Bank Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
Bank OZKLittle Rock $40.8B A 1.78%
Arvest BankFayetteville $27.8B C 0.49%
Simmons BankPine Bluff $24.5B C -1.40%
Centennial BankConway $22.7B A 2.14%
First Security BankSearcy $8.4B A 1.81%
ENCORE BANKLittle Rock $3.6B C 0.19%
First Community BankBatesville $3.4B B 1.09%
Farmers Bank & Trust CompanyMagnolia $3.1B B 1.36%