Merchants and Farmers Bank
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Data as of · sourced from FFIEC call reports. How we update
Merchants and Farmers Bank is an FDIC-insured commercial bank headquartered in Dumas, AR, established in 1909 (FDIC certificate 8735), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $297.6M, up 9.2% from Q2 2025, the 51st largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 12.33% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8735
- Headquarters
- Dumas, AR
- Established
- 1909
- Total assets, Q2 2026
- $297.6M
- Assets vs Q2 2025
- +9.2%
- CET1 ratio, Q2 2026
- 12.33%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 082903303
- Latest call report
- Q2 2026, FFIEC 051 · Merchants and Farmers Bank call report
- Holding company
- M & F FINANCIAL CORPORATION
- Asset rank in state
- 51st of 78 in Arkansas
Problem loans are rising at Merchants and Farmers Bank. Its balance sheet stood at $298 million at June 30, 2026, up 9.2% from a year earlier; it is based in Dumas, Arkansas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.40% of loans from 0.43% a year earlier. It carries problem assets equal to 17.4% of the capital and reserves that would absorb them, 6.5 times the median of 2.7% for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it keeps 4.87 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.96 cents).
Its $32 million commercial and industrial book is improving, with 0.86% past due or on nonaccrual, down from 2.18% a year earlier. Net income for the quarter slipped 15% from a year earlier, to $927,000. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Merchants and Farmers Bank reported a CET1 capital ratio of 12.33%, a return on assets of 1.33%, a nonperforming-loan ratio of 2.40% and a Texas ratio of 17.38%. The figures come from its call report filed with the FFIEC.
Merchants and Farmers Bank ranks as the 51st 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 5.0% to $297.6M, loans rose 4.4% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was construction and land development loans, at 24.4% of total loans, ahead of 1-4 family residential loans at 19.7%. Its 3 offices in the FDIC Summary of Deposits are in Dumas, AR, Bryant, AR and Benton, AR; its Dumas office books 69% of its branch deposits. On its Q2 2026 call report, Merchants and Farmers Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 500 Highway 65 S, Dumas, AR 71639
- County
- Desha
- 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
- May 10, 1909
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $255.9M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $129K
- Average total assets
- $279.7M
- Average total loans
- $229.0M
- Average interest-bearing deposits
- $205.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8735
- Fed RSSD
- 644842
- SEC CIK
- 1920653 → filed by M & F FINANCIAL CORPORATION
- Website
- www.mfbanknet.com →
- Parent Holding Company
- M & F FINANCIAL CORPORATION (RSSD 1099506)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Merchants and Farmers Bank's total assets ran between $236.2M (Q1 2024) and $297.6M (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
$297.6M total assets against $272.4M; $268.2M total liabilities against $244.4M.
$230.9M net loans and leases against $216.2M; $255.9M total deposits against $231.8M.
$19.7M securities against $18.2M; $29.5M cash and balances due against $19.8M.
$4.6M total interest income against $4.6M; $1.4M total interest expense against $1.4M.
$3.2M net interest income against $3.2M.
$337K total noninterest income against $314K; $2.3M total noninterest expense against $2.0M.
$80K provision for credit losses against $122K.
$927K net income against $1.1M.
1.33% return on assets against 1.64%; 4.87% net interest margin against 5.15%.
12.33% CET1 capital ratio against 12.93%; 10.74% tier 1 leverage ratio against 10.92%.
Inside the full Merchants and Farmers 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.
Merchants and Farmers Bank rankings
Its closest position to the top of a national ranking is 236 of 3,640, for Texas Ratio; its furthest is 1,605 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.18% (Q1 2026) to 1.64% (Q2 2025) and its net interest margin ran from 4.63% (Q1 2026) to 5.20% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.33% | 1.33% | 2.40% | 17.38% | 4.87% |
| Q1 2026 | 12.34% | 1.18% | 3.42% | 24.48% | 4.63% |
| Q4 2025 | 12.64% | 1.32% | 1.50% | 10.79% | 5.20% |
| Q3 2025 | 12.94% | 1.38% | 0.71% | 4.96% | 4.92% |
| Q2 2025 | 12.93% | 1.64% | 0.43% | 3.03% | 5.15% |
| Q1 2025 | 12.92% | 1.57% | 1.27% | 8.91% | 4.99% |
| Q4 2024 | 12.75% | 1.64% | 0.47% | 3.45% | 5.08% |
| Q3 2024 | 13.08% | 1.29% | 0.13% | 0.92% | 4.84% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Merchants and Farmers Bank (main office) | Dumas , AR | 71639 | $176.4M |
| Bryant Branch | Bryant , AR | 72019 | $51.2M |
| Benton Branch | Benton , AR | 72015 | $28.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AR, rank 63 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 40 applications, 31 loans originated, $7.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.7M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (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 Merchants and Farmers Bank
What are Merchants and Farmers Bank's total assets?
As of the Q2 2026 filing, Merchants and Farmers Bank reported total assets of $297.6 million in its FFIEC call report.
Where is Merchants and Farmers Bank headquartered?
It is headquartered in Dumas, AR, United States.
When was Merchants and Farmers Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Merchants and Farmers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Merchants and Farmers Bank?
Merchants and Farmers Bank's primary federal regulator is the Federal Reserve.
What is Merchants and Farmers Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.33% in its Q2 2026 call report, above regulatory requirements.
How many branches does Merchants and Farmers Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Merchants and Farmers Bank's Texas Ratio?
Its Texas Ratio is 17.38% 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.
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