Bank Comparison
Farmers Bank vs Merchants and Farmers Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers Bank | Merchants and Farmers Bank |
|---|---|---|
| CET1 Ratio | — | 12.34% |
| Tier 1 Capital Ratio | — | 12.34% |
| Total Capital Ratio | — | 13.60% |
| Tier 1 Leverage Ratio | 15.80% | 10.62% |
| Equity / Assets | 13.55% | 10.07% |
Profitability
| Metric | Farmers Bank | Merchants and Farmers Bank |
|---|---|---|
| Return on Assets (ROA) | 1.02% | 1.18% |
| Return on Equity (ROE) | 7.51% | 11.50% |
| Net Interest Margin (NIM) | 4.07% | 4.63% |
| Yield on Earning Assets | 5.34% | 6.85% |
| Cost of Funds | 1.34% | 2.31% |
Asset quality
| Metric | Farmers Bank | Merchants and Farmers Bank |
|---|---|---|
| Texas Ratio | 3.39% | 43.46% |
| Non-Performing Loan Ratio | 0.17% | 6.08% |
| Non-Performing Asset Ratio | 0.10% | 4.81% |
| Net Charge-Off Ratio | 0.01% | 0.07% |
| ACL / Loans | 0.74% | 1.26% |
Balance sheet
| Metric | Farmers Bank | Merchants and Farmers Bank |
|---|---|---|
| Total Assets | $286,600K | $283,272K |
| Total Deposits | $246,600K | $252,396K |
| Total Loans | $164,707K | $224,076K |
| Total Equity | $38,842K | $28,514K |
| Net Income (quarter) | $735 | $809 |
Liquidity & funding
| Metric | Farmers Bank | Merchants and Farmers Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.79% | 88.78% |
| Core Deposit Ratio | 94.67% | 83.01% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Bank | Merchants and Farmers Bank |
|---|---|---|
| Headquarters City | GREENWOOD | DUMAS |
| Headquarters State | AR | AR |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 10 | 3 |
| Employees (FTE) | 61 | 44 |
| Established | Aug. 1, 1907, midnight | May 10, 1909, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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