MERCHANTS AND FARMERS BANK

DUMAS, AR | Small | Est. May 10, 1909, midnight | FDIC #8735 | RSSD #644842 | FED
Latest Report: 2025-12-31

MERCHANTS AND FARMERS BANK is asn small FDIC-insured commercial bank headquartered in DUMAS, AR, established in May 10, 1909, midnight. As of 2025-12-31, the bank reported total assets of $271M and total deposits of $231M. Profitability stands at 1.33% ROA and 12.86% ROE, with a net interest margin of 5.29%. The bank's CET1 capital ratio is 12.64%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.50% and a Texas Ratio of 10.79%. FDIC Certificate #8735.

Assets

$271M

Deposits

$231M

Loans

$221M

Equity

$28M

Profitability

Return on Assets (ROA) 1.33%
Return on Equity (ROE) 12.86%
Net Interest Margin (NIM) 5.29%
Yield on Assets 7.63%
Cost of Funds 2.42%

Asset Quality

NPL Ratio 1.50%
Net Charge-Off Ratio 0.18%
Texas Ratio 10.79%
NPA Ratio 1.23%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 12.64%
Tier 1 Capital 12.64%
Total Capital Ratio 13.89%
Leverage Ratio 10.20%
Loan-to-Deposit 95.69%

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