MERCHANTS & PLANTERS BANK
MERCHANTS & PLANTERS BANK is an FDIC-insured commercial bank headquartered in NEWPORT, AR, established in 1946. As of , the bank reported total assets of $359M and total deposits of $322M. Profitability stands at 0.98% ROA and 10.82% ROE, with a net interest margin of 3.99%. CET1 capital ratio: 9.06%. NPL ratio: 3.09% · Texas Ratio: 15.47%. Operates 11 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Merchants & Planters Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 | 9.06% | 0.98% | 3.09% | 15.47% | 3.99% |
| 2025-09-30 | 9.03% | 1.08% | 3.24% | 17.33% | 4.07% |
| 2025-06-30 | 9.02% | 0.77% | 3.15% | 17.55% | 3.93% |
| 2025-03-31 | 8.99% | 0.71% | 3.27% | 17.55% | 3.86% |
| 2024-12-31 | 9.09% | 1.03% | 2.59% | 15.07% | 4.43% |
| 2024-09-30 | 9.43% | 0.85% | 2.53% | 15.23% | 4.17% |
| 2024-06-30 | 8.78% | 1.06% | 2.56% | 15.19% | 4.06% |
| 2024-03-31 | 8.73% | 0.69% | 2.93% | 15.60% | 3.68% |
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Frequently asked about MERCHANTS & PLANTERS BANK
What are Merchants & Planters Bank's total assets?
As of the Q4 2025 filing, Merchants & Planters Bank reported total assets of $359.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Merchants & Planters Bank headquartered?
Merchants & Planters Bank is headquartered in NEWPORT, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Merchants & Planters Bank founded?
Merchants & Planters Bank was established in 1946, per the FDIC institution directory.
Is Merchants & Planters Bank FDIC-insured?
Yes. Merchants & Planters Bank is an FDIC-insured commercial bank (FDIC Certificate #16464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Merchants & Planters Bank?
Merchants & Planters Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Merchants & Planters Bank's CET1 capital ratio?
Merchants & Planters Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.06% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Merchants & Planters Bank operate?
Merchants & Planters Bank operates 11 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Merchants & Planters Bank's Texas Ratio?
Merchants & Planters Bank's Texas Ratio is 15.47% — 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.