BanksMERCHANTS & FARMERS BANK OF GREENE COUNTY

MERCHANTS & FARMERS BANK OF GREENE COUNTY

EUTAW, ALSmallEst. Jan. 1, 1900, midnightFDIC #855RSSD #376237FDIC
Latest · 2025-12-31

MERCHANTS & FARMERS BANK OF GREENE COUNTY is an 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%. CET1 capital ratio: 11.10%, well above regulatory minimums. NPL ratio: 3.67% · Texas Ratio: 18.53%. Operates 2 domestic branches.

Assets
$128M
Deposits
$113M
Loans
$77M
Equity
$14M

Profitability

Return on Assets (ROA)0.18%
Return on Equity (ROE)1.58%
Net Interest Margin3.85%
Yield on Assets5.88%
Cost of Funds2.12%

Asset Quality

NPL Ratio3.67%
Net Charge-Off Ratio0.44%
Texas Ratio18.53%
NPA Ratio2.20%
ACL / Loans1.32%

Capital & Liquidity

CET1 Ratio11.10%
Tier 1 Capital11.10%
Total Capital Ratio11.66%
Leverage Ratio12.27%
Loan-to-Deposit68.02%

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