Total Assets
$2.0B
Total balance-sheet footings
FDIC Cert #16216 · Stuttgart, Arkansas · Est. 1945
The Farmers & Merchants Bank - FDIC Bank Health Profile
A community-scale look at The Farmers & Merchants Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.0B
- Total assets
- B
- Health grade · Good
- 1.02%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
The Farmers & Merchants Bank earns a PlainBankData health grade of B (66/100), with 9.76% Tier 1 capital, profitable at 1.02% ROA, 64% efficiency ratio.
- #614
- largest of 4,313 FDIC banks by assets
- 86th
- percentile by asset size, nationally
- 9.76%
- Tier 1 ratio - below the 10% well-capitalized line
- 44th
- 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.
How The Farmers & Merchants Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Farmers & Merchants Bank's composite health score
Tier 1 Capital Ratio (9.76%) 18/40
Return on Assets (ROA) (1.02%) 20/25
Texas Ratio (2.74%) 20/20
Efficiency Ratio (63.88%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.6B
Customer-funded liabilities
Net Loans
$1.4B
Outstanding loan book
Net Income
$19M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Farmers & Merchants Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Farmers & Merchants Bank's score of 66/100 falls in the highlighted band.
The Farmers & Merchants 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). The Farmers & Merchants Bank's $2.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.76% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.76%
Texas Ratio
2.74%
Equity Capital
$218M
Profitability metrics
Return on Assets (ROA)
44th percentile nationally
1.02%
Return on Equity (ROE)
9.29%
Efficiency Ratio
63.88%
What the numbers say about The Farmers & Merchants Bank
The Farmers & Merchants Bank is an FDIC-insured institution (Certificate #16216) headquartered in Stuttgart, Arkansas, established in 1945. It holds $2.0B in total assets - 614th of 4,313 FDIC-insured banks, $1.6B in customer deposits, and $1.4B in net loans. Its capital position: a Tier 1 ratio of 9.76%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.74% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Farmers & Merchants Bank sits 12th of 78 banks headquartered in Arkansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$101M
Interest Income
$17M
Non-Interest Income
$53M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Farmers & Merchants Bank reports a Texas Ratio of 2.74% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.74% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Arkansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Farmers & Merchants Bank (FDIC Cert #16216) - 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.
Other banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Farmers & Merchants Bank's health grade?▼
The Farmers & Merchants Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Farmers & Merchants Bank?▼
The Farmers & Merchants Bank holds $2.0B in total assets and $1.6B in deposits, ranking 614th of 4,313 FDIC-insured banks by asset size. It is headquartered in Stuttgart, Arkansas.
Is my money safe at The Farmers & Merchants Bank?▼
Yes, deposits at The Farmers & Merchants Bank (Certificate #16216) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Farmers & Merchants Bank's Tier 1 Capital Ratio?▼
The Farmers & Merchants Bank has a Tier 1 Capital Ratio of 9.76%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for The Farmers & Merchants Bank?▼
The Farmers & Merchants Bank has a Texas Ratio of 2.74%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Farmers & Merchants Bank?▼
The Farmers & Merchants Bank has an Efficiency Ratio of 63.88%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Farmers & Merchants Bank's profile as a depositor or analyst.
- The Farmers & Merchants Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Farmers & Merchants Bank against other Arkansas banks before moving funds. Arkansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.