FARMERS & MERCHANTS BANK, THE
FARMERS & MERCHANTS BANK, THE is an FDIC-insured commercial bank headquartered in STUTTGART, AR, established in 1945. As of , the bank reported total assets of $2.0B and total deposits of $1.6B. Profitability stands at 1.00% ROA and 9.06% ROE, with a net interest margin of 3.83%. CET1 capital ratio: 8.77%. NPL ratio: 0.67% · Texas Ratio: 3.98%. Operates 21 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Farmers & Merchants Bank, the rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 8.77% | 1.00% | 0.67% | 3.98% | 3.83% |
| 2025-09-30 | 8.50% | 1.04% | 1.14% | 6.94% | 3.72% |
| 2025-06-30 | 8.35% | 1.09% | 1.12% | 6.99% | 3.68% |
| 2025-03-31 | 8.36% | 0.93% | 0.54% | 3.26% | 3.53% |
| 2024-12-31 | 8.28% | 0.79% | 0.55% | 3.77% | 3.55% |
| 2024-09-30 | 8.37% | 0.71% | 0.65% | 4.28% | 3.24% |
| 2024-06-30 | 7.88% | 0.84% | 0.80% | 5.29% | 3.06% |
| 2024-03-31 | 7.77% | 0.74% | 0.51% | 3.75% | 2.85% |
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Frequently asked about FARMERS & MERCHANTS BANK, THE
What are Farmers & Merchants Bank, the's total assets?
As of the Q4 2025 filing, Farmers & Merchants Bank, the reported total assets of $1.95 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers & Merchants Bank, the headquartered?
Farmers & Merchants Bank, the is headquartered in STUTTGART, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers & Merchants Bank, the founded?
Farmers & Merchants Bank, the was established in 1945, per the FDIC institution directory.
Is Farmers & Merchants Bank, the FDIC-insured?
Yes. Farmers & Merchants Bank, the is an FDIC-insured commercial bank (FDIC Certificate #16216). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers & Merchants Bank, the?
Farmers & Merchants Bank, the's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers & Merchants Bank, the's CET1 capital ratio?
Farmers & Merchants Bank, the reported a Common Equity Tier 1 (CET1) capital ratio of 8.77% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Farmers & Merchants Bank, the operate?
Farmers & Merchants Bank, the operates 21 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers & Merchants Bank, the's Texas Ratio?
Farmers & Merchants Bank, the's Texas Ratio is 3.98% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.