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Merchants And Farmers Bank
Dumas, AR · FDIC Certificate #8735 · Chartered 05/1
Total assets
$297.56M
Total deposits
$255.86M
Total equity
$29.34M
Net loans
$230.93M
Branches (offices)
3
Net income (YTD)
$1.74M
Rank: #2,480 of 4,213 U.S. banks by assets · #51 of 78 in Arkansas. Assets changed 9.2% and deposits 10.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.22% |
| Return on equity | 12.17% |
| Net interest margin (YTD) | 4.71% |
| Equity to assets | 9.86% |
| Tier 1 leverage ratio | 10.74% |
| Uninsured deposits (share of deposits) | 32.5% |
| Noncurrent loans (share of loans) | 2.40% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 90.3% |
| Real estate loans (share of loans) | 69.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $161.16M | 69.8% | |
| Commercial & industrial | $32.44M | 14.0% | |
| Consumer / individual | $5.00M | 2.2% | |
| Construction & development | $57.03M | 24.7% | |
| Agricultural | $35.21M | 15.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $200.52M | $170.19M | $851.00K | $19.83M |
| Jun 2023 | $230.27M | $194.69M | $1.36M | $24.31M |
| Jun 2024 | $248.81M | $210.90M | $1.50M | $25.95M |
| Jun 2025 | $272.43M | $231.82M | $2.10M | $27.99M |
| Jun 2026 | $297.56M | $255.86M | $1.74M | $29.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $255.86M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $255.86M.
Similar-sized banks
First Security Bank Of Nevada ($297.66M) · Farmers Bank ($297.31M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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