MERCHANTS & FARMERS BANK OF GREENE COUNTY

EUTAW, AL | Small | Est. Jan. 1, 1900, midnight | FDIC #855 | RSSD #376237 | FDIC
Latest Report: 2025-12-31

MERCHANTS & FARMERS BANK OF GREENE COUNTY is asn small FDIC-insured commercial bank headquartered in EUTAW, AL, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $128M and total deposits of $113M. Profitability stands at 0.18% ROA and 1.58% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 11.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.67% and a Texas Ratio of 18.53%. FDIC Certificate #855.

Assets

$128M

Deposits

$113M

Loans

$77M

Equity

$14M

Profitability

Return on Assets (ROA) 0.18%
Return on Equity (ROE) 1.58%
Net Interest Margin (NIM) 3.85%
Yield on Assets 5.88%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 3.67%
Net Charge-Off Ratio 0.44%
Texas Ratio 18.53%
NPA Ratio 2.20%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 11.10%
Tier 1 Capital 11.10%
Total Capital Ratio 11.66%
Leverage Ratio 12.27%
Loan-to-Deposit 68.02%

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