Merchants & Planters Bank
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Data as of · sourced from FFIEC call reports. How we update
Merchants & Planters Bank is an FDIC-insured commercial bank headquartered in Newport, AR, established in 1946 (FDIC certificate 16464), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $379.4M, up 14.0% from Q2 2025, the 42nd largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.15% 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
- 16464
- Headquarters
- Newport, AR
- Established
- 1946
- Total assets, Q2 2026
- $379.4M
- Assets vs Q2 2025
- +14.0%
- Tier 1 leverage ratio, Q2 2026
- 10.15%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 082907561
- Latest call report
- Q2 2026, FFIEC 051 · Merchants & Planters Bank call report
- Holding company
- M&P COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 42nd of 78 in Arkansas
Merchants & Planters Bank, based in Newport, Arkansas, reported $379 million in assets at June 30, 2026, up 14.0% from a year earlier. It grew deposits 14.6% over the year, 3.6 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.67% of loans from 2.75%. Earnings jumped: net income for the quarter was $998,000, 56% above the same quarter a year earlier.
As of June 30, 2026, Merchants & Planters Bank reported a return on assets of 1.09%, a nonperforming-loan ratio of 1.29% and a Texas ratio of 3.45%. The figures come from its call report filed with the FFIEC.
Merchants & Planters Bank ranks as the 42nd largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 9.1% to $379.4M, loans rose 13.6% and deposits rose 10.0%. Agricultural production loans made up 27.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.3%. Its 11 offices in the FDIC Summary of Deposits are in 8 cities in AR; its Newport 2 offices book 59% of its branch deposits. On its Q2 2026 call report, Merchants & Planters Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 120 Hazel St, Newport, AR 72112
- County
- Jackson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 6, 1946
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 83
- Domestic deposits
- $340.9M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- -$223K
- Average total assets
- $366.1M
- Average total loans
- $171.4M
- Average interest-bearing deposits
- $231.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 6, 1946
- FDIC Cert
- 16464
- Fed RSSD
- 99143
- Website
- http://www.mandp.bank →
- Parent Holding Company
- M&P COMMUNITY BANCSHARES, INC. (RSSD 1491306)
- Ultimate Parent
- RSSD 3394429
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 & Planters 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, Merchants & Planters Bank's total assets ranged from $317.0M (Q3 2024) to $379.4M (Q2 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
$379.4M total assets against $332.9M; $345.9M total liabilities against $302.8M.
$180.1M net loans and leases against $175.7M; $340.9M total deposits against $297.6M.
$95.9M securities against $87.3M; $78.2M cash and balances due against $44.7M.
$4.7M total interest income against $4.3M; $1.2M total interest expense against $1.3M.
$3.5M net interest income against $3.0M.
$1.0M total noninterest income against $954K; $3.2M total noninterest expense against $3.0M.
$0 provision for credit losses against $125K.
$998K net income against $641K.
1.09% return on assets against 0.75%; 4.37% net interest margin against 4.11%.
10.15% tier 1 leverage ratio against 10.39%.
Inside the full Merchants & Planters Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMerchants & Planters Bank rankings
Its closest position to the top of a national ranking is 1,731 of 3,640, for Texas Ratio; its furthest is 2,816 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q1 2025) to 1.09% (Q2 2026) and its net interest margin ran from 3.87% (Q1 2026) to 4.60% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.15% | 1.09% | 1.29% | 3.45% | 4.37% |
| Q1 2026 | 10.19% | 0.79% | 2.25% | 9.19% | 3.87% |
| Q4 2025 | 10.02% | 0.94% | 3.16% | 12.42% | 4.08% |
| Q3 2025 | 10.41% | 1.07% | 3.08% | 14.11% | 4.23% |
| Q2 2025 | 10.39% | 0.75% | 3.26% | 15.36% | 4.11% |
| Q1 2025 | 10.57% | 0.69% | 3.45% | 16.01% | 4.03% |
| Q4 2024 | 10.59% | 0.99% | 3.09% | 15.40% | 4.60% |
| Q3 2024 | 10.77% | 0.84% | 2.69% | 13.50% | 4.34% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 & Planters' Bank | Newport , AR | 72112 | $202.3M |
| Mccrory Branch | Mccrory , AR | 72101 | $37.8M |
| Batesville-Harrison Branch | Batesville , AR | 72501 | $27.3M |
| Tuckerman Office Branch | Tuckerman , AR | 72473 | $23.4M |
| Newark Merchants and Planters Bank | Newark , AR | 72562 | $23.3M |
| Searcy Branch | Searcy , AR | 72143 | $12.2M |
| Des Arc Office Branch | Des Arc , AR | 72040 | $9.9M |
| Swifton Branch | Swifton , AR | 72471 | $4.7M |
| Batesville Main Office | Batesville , AR | 72501 | $0 |
| Southside Branch | Batesville , AR | 72501 | $0 |
| North Branch | Newport , AR | 72112 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in AR, rank 49 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $158K approved, $158K 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, 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 & Planters Bank
What are Merchants & Planters Bank's total assets?
As of the Q2 2026 filing, Merchants & Planters Bank reported total assets of $379.4 million in its FFIEC call report.
Where is Merchants & Planters Bank headquartered?
It is headquartered in Newport, AR, United States.
When was Merchants & Planters Bank founded?
It was established in 1946, per the FDIC institution directory.
Is Merchants & Planters Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Merchants & Planters Bank?
Merchants & Planters Bank's primary federal regulator is the FDIC.
How many branches does Merchants & Planters Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Merchants & Planters Bank's Texas Ratio?
Its Texas Ratio is 3.45% 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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