Merchants and Farmers Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Merchants and Farmers Bank of Dumas, AR against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.33% | 1.34% | -0.01% | 54th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.82% | 13.31% | -0.49% | 53rd above |
| Net Interest Margin | 4.87% | 3.93% | +0.94% | 90th top |
| Efficiency Ratio | 63.33% | 61.14% | +2.19% | 44th below |
| PPNR / Avg Assets | 1.85% | 1.68% | +0.17% | 65th above |
| Yield on Earning Assets | 7.01% | 5.67% | +1.34% | 95th top |
| Cost of Funds | 2.26% | 1.88% | +0.38% | 23rd bottom |
| Net Interest Spread | 4.38% | 3.32% | +1.06% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.94% | 0.94% | +4.00% | 3rd bottom |
| NPA / Total Assets | 3.89% | 0.70% | +3.19% | 2nd bottom |
| NCO / Avg Loans | 0.16% | 0.16% | +0.00% | 15th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 25.75% | 1539.15% | -1513.40% | 3rd bottom |
| Texas Ratio | 35.78% | 7.32% | +28.46% | 2nd bottom |
| Provision / NCO | 66.67% | 1396.07% | -1329.40% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.33% | 19.51% | -7.18% | 21st bottom |
| Tier 1 Ratio | 12.33% | 19.54% | -7.21% | 21st bottom |
| Total Capital Ratio | 13.58% | 20.62% | -7.04% | 22nd bottom |
| Leverage Ratio | 10.74% | 12.14% | -1.40% | 45th below |
| Equity / Assets | 9.86% | 11.37% | -1.51% | 42nd below |
| TCE / Tangible Assets | 9.86% | 11.09% | -1.23% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.42% | 80.63% | +10.79% | 25th below |
| Core Deposit Ratio | 83.08% | 86.86% | -3.78% | 24th bottom |
| Wholesale Funding Ratio | 3.40% | 5.03% | -1.63% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.23% | 6.85% | +2.38% | 80th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.75% | 7.90% | -1.15% | 59th above |
| Deposit Growth (Y/Y) | 10.37% | 6.29% | +4.08% | 84th top |
See Merchants and Farmers Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Merchants and Farmers Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Merchants and Farmers Bank profile, how to read a UBPR, or how this data updates.