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The Farmers & Merchants Bank
Stuttgart, AR · FDIC Certificate #16216 · Chartered 01/0
Total assets
$2.02B
Total deposits
$1.72B
Total equity
$225.39M
Net loans
$1.41B
Branches (offices)
21
Net income (YTD)
$10.64M
Rank: #603 of 4,213 U.S. banks by assets · #13 of 78 in Arkansas. Assets changed 6.3% and deposits 11.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 9.60% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 11.19% |
| Tier 1 leverage ratio | 9.79% |
| Uninsured deposits (share of deposits) | 30.6% |
| Noncurrent loans (share of loans) | 0.39% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 82.2% |
| Real estate loans (share of loans) | 71.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.01B | 71.4% | |
| Commercial & industrial | $170.44M | 12.1% | |
| Consumer / individual | $50.95M | 3.6% | |
| Construction & development | $188.69M | 13.3% | |
| Agricultural | $171.59M | 12.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.74B | $1.54B | $7.15M | $183.40M |
| Jun 2023 | $1.74B | $1.42B | $5.72M | $178.53M |
| Jun 2024 | $1.85B | $1.47B | $7.24M | $193.98M |
| Jun 2025 | $1.90B | $1.55B | $9.38M | $205.61M |
| Jun 2026 | $2.02B | $1.72B | $10.64M | $225.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $1.72B | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.72B.
Similar-sized banks
Trunorth Bank ($2.02B) · Florence Bank ($2.01B)
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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