The Farmers & Merchants Bank (Stuttgart, AR)
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Data as of · sourced from FFIEC call reports. How we update
The Farmers & Merchants Bank is an FDIC-insured commercial bank headquartered in Stuttgart, AR, established in 1945 (FDIC certificate 16216), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.02B, up 6.3% from Q2 2025, the 13th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.79% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16216
- Headquarters
- Stuttgart, AR
- Established
- 1945
- Total assets, Q2 2026
- $2.02B
- Assets vs Q2 2025
- +6.3%
- Tier 1 leverage ratio, Q2 2026
- 9.79%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 082907477
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers & Merchants Bank call report
- Holding company
- FARMERS AND MERCHANTS BANKSHARES, INC.
- Asset rank in state
- 13th of 78 in Arkansas
Little in The Farmers & Merchants Bank's latest call report stands out. Its balance sheet stood at $2.0 billion at June 30, 2026, up 6.3% from a year earlier; it is based in Stuttgart, Arkansas. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Deposits are coming in faster than loans: over the year loans rose 5.9% and deposits rose 11.2%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.39% of loans from 0.27% a year earlier.
As of June 30, 2026, The Farmers & Merchants Bank reported a return on assets of 1.08%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 3.06%. The figures come from its call report filed with the FFIEC.
The Farmers & Merchants Bank ranks as the 13th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $2.02B, loans rose 2.8% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 20.9% of total loans, followed by non-owner-occupied commercial real estate loans at 18.2%. The FDIC Summary of Deposits lists 21 offices for it, in 16 cities in AR; its Fayetteville 3 offices book 22% of its branch deposits. Judged on its Q2 2026 call report, The Farmers & Merchants Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 708 S Main St, Stuttgart, AR 72160
- County
- Arkansas
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 2, 1945
- Former names
- The Farmers & Merchants Bank (1972)
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 295
- Domestic deposits
- $1.72B
- Allowance for credit losses
- $18.5M
- Net charge-offs (YTD)
- $50K
- Average total assets
- $2.02B
- Average total loans
- $1.42B
- Average interest-bearing deposits
- $1.47B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1945
- FDIC Cert
- 16216
- Fed RSSD
- 677644
- Website
- www.gofm.bank →
- Parent Holding Company
- FARMERS AND MERCHANTS BANKSHARES, INC. (RSSD 1099672)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Farmers & Merchants Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Farmers & Merchants Bank's total assets ranged from $1.79B (Q3 2023) to $2.02B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.02B total assets against $1.90B; $1.79B total liabilities against $1.69B.
$1.41B net loans and leases against $1.34B; $1.72B total deposits against $1.55B.
$375.7M securities against $330.0M; $60.5M cash and balances due against $60.8M.
$27.6M total interest income against $24.5M; $9.3M total interest expense against $8.8M.
$18.4M net interest income against $15.7M.
$3.9M total noninterest income against $5.9M; $14.3M total noninterest expense against $13.7M.
$1.0M provision for credit losses against $1.0M.
$5.4M net income against $5.1M.
1.08% return on assets against 1.08%; 4.04% net interest margin against 3.68%.
9.79% tier 1 leverage ratio against 9.83%.
Inside the full The Farmers & Merchants Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Farmers & Merchants Bank rankings
Its closest position to the top of a national ranking is 595 of 4,196, for total assets; its furthest is 2,329 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.70% (Q3 2024) to 1.08% (Q2 2025) and its net interest margin ran from 3.26% (Q3 2024) to 4.04% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.79% | 1.08% | 0.39% | 3.06% | 4.04% |
| Q1 2026 | 9.86% | 1.04% | 0.53% | 4.11% | 3.94% |
| Q4 2025 | 9.76% | 1.00% | 0.47% | 3.53% | 3.88% |
| Q3 2025 | 9.57% | 1.02% | 0.23% | 1.94% | 3.74% |
| Q2 2025 | 9.83% | 1.08% | 0.27% | 2.34% | 3.68% |
| Q1 2025 | 9.85% | 0.91% | 0.31% | 2.51% | 3.54% |
| Q4 2024 | 9.94% | 0.79% | 0.32% | 3.11% | 3.56% |
| Q3 2024 | 9.74% | 0.70% | 0.34% | 3.21% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Farmers & Merchants Bank | Stuttgart , AR | 72160 | $357.0M |
| Fayetteville Branch | Fayetteville , AR | 72701 | $207.5M |
| Mountain Home Branch | Mountain Home , AR | 72653 | $200.0M |
| Pocahontas Main Branch | Pocahontas , AR | 72455 | $149.0M |
| Jonesboro Branch | Jonesboro , AR | 72401 | $134.8M |
| Crossover Branch | Fayetteville , AR | 72701 | $132.9M |
| Dewitt Branch | Dewitt , AR | 72042 | $86.0M |
| Perryville Branch | Perryville , AR | 72126 | $66.7M |
| Desarc Branch | Des Arc , AR | 72040 | $63.9M |
| Hazen Branch | Hazen , AR | 72064 | $60.8M |
| Morrilton Branch | Morrilton , AR | 72110 | $39.6M |
| Jonesboro Southwest Branch | Jonesboro , AR | 72404 | $34.0M |
| West Fork Branch | West Fork , AR | 72774 | $29.9M |
| College Branch | Fayetteville , AR | 72703 | $29.7M |
| Farmington Branch | Farmington , AR | 72730 | $28.5M |
| Lakeview Branch | Lakeview , AR | 72642 | $25.4M |
| Prairie Grove Branch | Prairie Grove , AR | 72753 | $21.9M |
| Bentonville Branch | Bentonville , AR | 72712 | $20.6M |
| Gassville Branch | Gassville , AR | 72635 | $16.7M |
| Mt Home East Branch | Mountain Home , AR | 72653 | $13.9M |
| Market Branch | Stuttgart , AR | 72160 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 11, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 11, 2019 | Structure Change | Acquired Integrity First Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2015 | Structure Change | Acquired The Bank of Fayetteville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 18, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 18, 2009 | Structure Change | Acquired First National Bank at Marianna Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 2, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 2, 2008 | Structure Change | Acquired Chart Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 27, 1991 | Structure Change | Acquired First Savings of Arkansas, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.6% of deposits in AR, rank 13 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 465 applications, 329 loans originated, $68.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $475K approved, $475K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Farmers & Merchants Bank
What are The Farmers & Merchants Bank's total assets?
As of the Q2 2026 filing, The Farmers & Merchants Bank reported total assets of $2.02 billion in its FFIEC call report.
Where is The Farmers & Merchants Bank headquartered?
It is headquartered in Stuttgart, AR, United States.
When was The Farmers & Merchants Bank founded?
It was established in 1945, per the FDIC institution directory.
Is The Farmers & Merchants Bank FDIC-insured?
Yes. It 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 The Farmers & Merchants Bank?
The Farmers & Merchants Bank's primary federal regulator is the Federal Reserve.
How many branches does The Farmers & Merchants Bank operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers & Merchants Bank's Texas Ratio?
Its Texas Ratio is 3.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Farmers & Merchants Bank previously called?
The charter now named The Farmers & Merchants Bank has also operated as The Farmers & Merchants Bank (1972), per FDIC structure-change records.
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