FDIC Cert #16464 · Newport, Arkansas · Est. 1946

Merchants & Planters' Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$359M
Total assets
C
Health grade · Fair
0.89%
Return on assets
10.0%
Tier 1 capital

Data updated July 2026

The verdict

Merchants & Planters' Bank earns a PlainBankData health grade of C (56/100), with well-capitalized at 10.03% Tier 1, 0.89% ROA, 75% efficiency ratio.

#2,244
largest of 4,313 FDIC banks by assets
48th
percentile by asset size, nationally
10.03%
Tier 1 ratio - above the 10% well-capitalized line
35th
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 16464 · AR C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3951/4307
  • PHOTO-FINISH Andover State Bank · KS
  • TIER1-WELL 10.0% Tier 1
  • TEXAS-HEALTHY 15.8% Texas
  • ROA-PAR 0.89% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Andover State Bank, KS (±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 & Planters' Bank

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

Morgan Stanley Bank,… · UT ·…100/100Andover State Bank · KS · ne…56/100Merchants & Planters… · AR ·…56/100Security State Bank… · MN · …56/100The Hicksville Bank · OH · n…56/100The Tri-County Bank · NE · n…56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Merchants & Planters' Bank · July 2026

What Merchants & Planters' Bank's Call Report plate shows

Merchants & Planters' Bank (FDIC Cert #16464) carries a PlainBankData health grade of C at 56/100, 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 #3,951 of 4,307. Tier 1 capital prints at 10.03%, clearing the 10% well-capitalized line. The Texas Ratio is 15.82%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.89%. Balance-sheet scale is $359M, 2,244th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Andover State Bank (KS), 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 & Planters' Bank

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

Merchants & Planters' 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 & Planters' 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 & Planters' Bank's 56/100 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 avg77/10056/100
Merchants & Planters' Bank's composite health score
Tier 1 Capital Ratio (10.03%) 28/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (15.82%) 10/20
Efficiency Ratio (74.54%) 4/15

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

Balance sheet at a glance

Total Assets

$359M

Total balance-sheet footings

Total Deposits

$322M

Customer-funded liabilities

Net Loans

$169M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.63% 10.03% 11.43%
Basel III capital ratios - Merchants & Planters' Bank

Where Merchants & Planters' Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Merchants & Planters' Bank's score of 56/100 falls in the highlighted band.

Merchants & Planters' Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

56 8th percentile higher than 8% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Merchants & Planters' 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 & Planters' 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 & Planters' Bank's $359M falls in the highlighted band.

Safety ratios for Merchants & Planters' Bank

Tier 1 capital ratio
Well-capitalized 10%

10.03% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.03%
Texas Ratio
15.82%
Equity Capital
$33M

What these ratios mean →

Profitability metrics: Merchants & Planters' Bank

Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
9.82%
Efficiency Ratio
74.54%

What these mean →

Income & expense at Merchants & Planters' Bank

$18M
Interest Income
$4M
Non-Interest Income
$12M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Merchants & Planters' Bank reports a Texas Ratio of 15.82% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

15.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Merchants & Planters' 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 ($359M here), outside Arkansas so the neighborhood is not state containment.

Citizens First Bank $359M · IA Midwest Independent BankersBank $359M · MO FlatIrons Bank $360M · CO First Shore Federal Savings and Loan… $359M · MD

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Merchants & Planters' Bank (FDIC Cert #16464) - 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 & Planters' 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%