BanksMERCHANTS AND FARMERS BANK

MERCHANTS AND FARMERS BANK

DUMAS, ARSmallEst. May 10, 1909, midnightFDIC #8735RSSD #644842FED
Latest · 2025-12-31

MERCHANTS AND FARMERS BANK is an 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%. CET1 capital ratio: 12.64%, well above regulatory minimums. NPL ratio: 1.50% · Texas Ratio: 10.79%. Operates 3 domestic branches.

Assets
$271M
Deposits
$231M
Loans
$221M
Equity
$28M

Profitability

Return on Assets (ROA)1.33%
Return on Equity (ROE)12.86%
Net Interest Margin5.29%
Yield on Assets7.63%
Cost of Funds2.42%

Asset Quality

NPL Ratio1.50%
Net Charge-Off Ratio0.18%
Texas Ratio10.79%
NPA Ratio1.23%
ACL / Loans1.37%

Capital & Liquidity

CET1 Ratio12.64%
Tier 1 Capital12.64%
Total Capital Ratio13.89%
Leverage Ratio10.20%
Loan-to-Deposit95.69%

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