Merchants & Planters Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 58.55 percentage points in Q2 2026, from 34.43% to 92.97%. It was the largest change from Q1 2026 among the key lines here. Merchants & Planters Bank ranks 55th of 78 Arkansas banks on return on assets, in the lower half at 1.09% (Q2 2026). Merchants & Planters Bank reported 1.09% on return on assets for Q2 2026, 0.16 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.15% |
| Equity capital to assets | 8.83% |
| Tangible equity to tangible assets | 8.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | -0.66% |
| Texas ratio | 8.40% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 92.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 12.09% |
| Net interest margin | 4.37% |
| Efficiency ratio | 70.91% |
| Yield on earning assets | 5.87% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.32% |
| Core deposits to total deposits | 92.29% |
| Brokered deposits to total deposits | 0.08% |
| Deposits to assets | 89.85% |
| Securities to assets | 25.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.37% | 1.05% | 3.90% | 3.05% | 0.06% |
| Q4 2023 | 10.07% | -0.30% | 3.89% | 2.66% | 3.17% |
| Q1 2024 | 10.32% | 0.67% | 3.83% | 2.93% | -0.07% |
| Q2 2024 | 10.73% | 1.06% | 4.23% | 2.56% | 0.09% |
| Q3 2024 | 10.77% | 0.84% | 4.34% | 2.53% | 0.10% |
| Q4 2024 | 10.59% | 0.99% | 4.60% | 2.59% | 0.40% |
| Q1 2025 | 10.57% | 0.69% | 4.03% | 3.27% | 0.13% |
| Q2 2025 | 10.39% | 0.75% | 4.11% | 3.15% | 0.07% |
| Q3 2025 | 10.41% | 1.07% | 4.23% | 3.24% | 0.16% |
| Q4 2025 | 10.02% | 0.94% | 4.08% | 3.09% | 1.32% |
| Q1 2026 | 10.19% | 0.79% | 3.87% | 2.49% | 0.14% |
| Q2 2026 | 10.15% | 1.09% | 4.37% | 0.98% | -0.66% |
Merchants & Planters Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants & Planters Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Merchants & Planters Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16464) · FFIEC NIC profile (RSSD 99143)