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Merchants & Farmers Bank Of Greene County, Alabama
Eutaw, AL · FDIC Certificate #855 · Chartered 01/0
Total assets
$135.87M
Total deposits
$120.39M
Total equity
$14.67M
Net loans
$82.04M
Branches (offices)
3
Net income (YTD)
$516.00K
Rank: #3,418 of 4,213 U.S. banks by assets · #73 of 93 in Alabama. Assets changed 10.0% and deposits 10.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 7.14% |
| Net interest margin (YTD) | 3.45% |
| Equity to assets | 10.80% |
| Tier 1 leverage ratio | 11.69% |
| Uninsured deposits (share of deposits) | 30.0% |
| Noncurrent loans (share of loans) | 5.41% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 68.1% |
| Real estate loans (share of loans) | 74.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $61.20M | 74.6% | |
| Commercial & industrial | $10.62M | 12.9% | |
| Consumer / individual | $10.21M | 12.4% | |
| Construction & development | $1.84M | 2.2% | |
| Agricultural | $420.00K | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $95.75M | $88.48M | $279.00K | $6.92M |
| Jun 2023 | $103.86M | $93.97M | $536.00K | $7.43M |
| Jun 2024 | $114.52M | $102.99M | $683.00K | $10.74M |
| Jun 2025 | $123.49M | $109.38M | $921.00K | $13.31M |
| Jun 2026 | $135.87M | $120.39M | $516.00K | $14.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $120.39M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $120.39M.
Similar-sized banks
Clay County Bank, Inc. ($135.90M) · Western National Bank ($135.77M)
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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