Merchants & Farmers Bank of Greene County
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Data as of · sourced from FFIEC call reports. How we update
Merchants & Farmers Bank of Greene County is an FDIC-insured commercial bank headquartered in Eutaw, AL, supervised by the FDIC, with $135.9M in total assets at Q2 2026, up 10.0% from Q2 2025, the 73rd largest of 93 banks headquartered in Alabama. Its FDIC certificate number is 855. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.69% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 855
- Headquarters
- Eutaw, AL
- Established
- Not reported
- Total assets, Q2 2026
- $135.9M
- Assets vs Q2 2025
- +10.0%
- Tier 1 leverage ratio, Q2 2026
- 11.69%
- Domestic offices
- 3 · Merchants & Farmers Bank of Greene County branches FDIC institution directory, current count
- Routing number
- 062202192
- Safety and soundness
- Is Merchants & Farmers Bank of Greene County safe?
- Latest call report
- Q2 2026, FFIEC 051 · Merchants & Farmers Bank of Greene County call report
- Holding company
- MERCHANTS AND FARMERS BANCSHARES, INC.
- Asset rank in state
- 73rd of 93 in Alabama
Problem loans are rising at Merchants & Farmers Bank of Greene County. Its balance sheet stood at $136 million at June 30, 2026, up 10.0% from a year earlier; it is based in Eutaw, Alabama. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.41% of loans from 3.57% a year earlier. It carries problem assets equal to 28.7% of the capital and reserves that would absorb them, 10.8 times the median of 2.7% for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $193,000 was 66% below a year earlier. Over the same year, loans grew 13.3% and deposits grew 10.1%. Profitability lags: it earns about $0.57 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Merchants & Farmers Bank of Greene County reported a return on assets of 0.57%, a nonperforming-loan ratio of 5.41% and a Texas ratio of 28.71%. The figures come from its call report filed with the FFIEC.
Merchants & Farmers Bank of Greene County ranks as the 73rd largest of the 93 banks based in Alabama, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.5% to $135.9M, loans rose 1.1% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 29.0% of total loans, ahead of owner-occupied commercial real estate loans at 20.1%. The FDIC Summary of Deposits lists 3 offices for it, in Eutaw, AL, Prattville, AL and Demopolis, AL; its Eutaw office books 78% of its branch deposits. On its Q2 2026 call report, Merchants & Farmers Bank of Greene County meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 302 Prairie Ave, Eutaw, AL 35462
- County
- Greene
- Metro Area
- Tuscaloosa, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $120.4M
- Allowance for credit losses
- $975K
- Net charge-offs (YTD)
- $46K
- Average total assets
- $136.2M
- Average total loans
- $82.8M
- Average interest-bearing deposits
- $89.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 855
- Fed RSSD
- 376237
- Website
- MFBUSA.COM →
- Parent Holding Company
- MERCHANTS AND FARMERS BANCSHARES, INC. (RSSD 2111432)
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, Merchants & Farmers Bank of Greene County 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, Merchants & Farmers Bank of Greene County's total assets ranged from $108.0M (Q3 2023) to $136.5M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$135.9M total assets against $123.5M; $121.2M total liabilities against $110.2M.
$82.0M net loans and leases against $72.2M; $120.4M total deposits against $109.4M.
$32.8M securities against $30.9M; $16.6M cash and balances due against $14.4M.
$1.8M total interest income against $1.7M; $688K total interest expense against $538K.
$1.1M net interest income against $1.2M.
$162K total noninterest income against $158K; $1.0M total noninterest expense against $734K.
$0 provision for credit losses against $0.
$193K net income against $565K.
0.57% return on assets against 1.85%; 3.33% net interest margin against 3.91%.
11.69% tier 1 leverage ratio against 12.24%.
Inside the full Merchants & Farmers Bank of Greene County 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Merchants & Farmers Bank of Greene County rankings
Its closest position to the top of a national ranking is 65 of 3,640, for Texas Ratio; its furthest is 3,295 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.17% (Q4 2025) to 1.85% (Q2 2025) and its net interest margin ran from 3.33% (Q2 2026) to 4.12% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.69% | 0.57% | 5.41% | 28.71% | 3.33% |
| Q1 2026 | 11.79% | 0.97% | 4.51% | 23.85% | 3.46% |
| Q4 2025 | 12.27% | 0.17% | 3.67% | 18.53% | 3.78% |
| Q3 2025 | 12.47% | 1.20% | 4.26% | 20.93% | 3.98% |
| Q2 2025 | 12.24% | 1.85% | 3.57% | 18.25% | 3.91% |
| Q1 2025 | 11.69% | 1.16% | 3.79% | 20.19% | 3.56% |
| Q4 2024 | 11.66% | 1.28% | 1.43% | 8.15% | 3.98% |
| Q3 2024 | 11.68% | 1.41% | 1.52% | 8.38% | 4.12% |
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 & Farmers Bank of Greene County, Alabama | Eutaw , AL | 35462 | $94.2M |
| Prattville Branch | Prattville , AL | 36066 | $13.6M |
| Demopolis Branch | Demopolis , AL | 36732 | $12.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AL, rank 97 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 & Farmers Bank of Greene County
What are Merchants & Farmers Bank of Greene County's total assets?
As of the Q2 2026 filing, Merchants & Farmers Bank of Greene County reported total assets of $135.9 million in its FFIEC call report.
Where is Merchants & Farmers Bank of Greene County headquartered?
It is headquartered in Eutaw, AL, United States.
Is Merchants & Farmers Bank of Greene County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #855). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Merchants & Farmers Bank of Greene County?
Merchants & Farmers Bank of Greene County's primary federal regulator is the FDIC.
How many branches does Merchants & Farmers Bank of Greene County 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 & Farmers Bank of Greene County's Texas Ratio?
Its Texas Ratio is 28.71% 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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