The Merchants & Planters Bank
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Data as of · sourced from FFIEC call reports. How we update
The Merchants & Planters Bank is an FDIC-insured commercial bank headquartered in Clarendon, AR, established in 1890 (FDIC certificate 107), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $51.3M, up 2.4% from Q2 2025, the 78th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.30% 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
- 107
- Headquarters
- Clarendon, AR
- Established
- 1890
- Total assets, Q2 2026
- $51.3M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 11.30%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 082901648
- Latest call report
- Q2 2026, FFIEC 051 · The Merchants & Planters Bank call report
- Holding company
- CLARENDON HOLDING CO.
- Asset rank in state
- 78th of 78 in Arkansas
The Merchants & Planters Bank leans heavily on commercial real estate. The Clarendon, Arkansas bank had $51 million in assets at June 30, 2026, up 2.4% from a year earlier. It holds commercial real estate loans worth 1.5 times its capital, 5.9 times the median of 26% for the 583 banks with less than $100 million in assets. It also keeps 3.18 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
Earnings fell sharply: quarterly net income of $33,000 was 63% below a year earlier. Its $5.4 million commercial and industrial book is now fully current, after 6.93% of it was past due or on nonaccrual a year earlier. Profitability lags: it earns about $0.25 a year on every $100 of assets, a small fraction of the median of $1.06 for banks its size.
As of June 30, 2026, The Merchants & Planters Bank reported a return on assets of 0.25%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 2.29%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, The Merchants & Planters Bank is the smallest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.2% to $51.3M, loans rose 16.9% and deposits fell 3.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 44.2% of total loans, ahead of commercial and industrial loans at 26.1%. Its one office in the FDIC Summary of Deposits is in Clarendon, AR. By the capital ratios in its Q2 2026 call report, The Merchants & Planters Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 297 Madison St, Clarendon, AR 72029
- County
- Monroe
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $46.9M
- Allowance for credit losses
- $131K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $51.8M
- Average total loans
- $19.3M
- Average interest-bearing deposits
- $37.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 107
- Fed RSSD
- 691042
- Parent Holding Company
- CLARENDON HOLDING CO. (RSSD 1099252)
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, The 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, The Merchants & Planters Bank's total assets ranged from $45.6M (Q3 2023) to $55.2M (Q4 2025), 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
$51.3M total assets against $50.1M; $47.4M total liabilities against $46.6M.
$20.7M net loans and leases against $19.4M; $46.9M total deposits against $46.5M.
$27.8M securities against $24.6M; $1.1M cash and balances due against $4.5M.
$575K total interest income against $541K; $164K total interest expense against $145K.
$411K net interest income against $396K.
$35K total noninterest income against $35K; $360K total noninterest expense against $328K.
$0 provision for credit losses against $0.
$33K net income against $90K.
0.25% return on assets against 0.70%; 3.18% net interest margin against 3.13%.
11.30% tier 1 leverage ratio against 11.25%.
Inside the full The Merchants & Planters Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.25% (Q2 2026) to 0.87% (Q4 2024) and its net interest margin ran from 3.04% (Q1 2026) to 3.33% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.30% | 0.25% | 0.21% | 2.29% | 3.18% |
| Q1 2026 | 10.45% | 0.53% | 0.12% | 1.79% | 3.04% |
| Q4 2025 | 10.67% | 0.61% | 0.15% | 1.85% | 3.17% |
| Q3 2025 | 11.97% | 0.63% | 0.06% | 1.47% | 3.33% |
| Q2 2025 | 11.25% | 0.70% | 0.05% | 1.61% | 3.13% |
| Q1 2025 | 11.53% | 0.74% | 0.07% | 1.79% | 3.10% |
| Q4 2024 | 11.01% | 0.87% | 0.14% | 2.51% | 3.22% |
| Q3 2024 | 11.27% | 0.47% | 0.05% | 1.52% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Merchants & Planters Bank | Clarendon , AR | 72029 | $46.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AR, rank 101 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 100.00% 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 The Merchants & Planters Bank
What are The Merchants & Planters Bank's total assets?
As of the Q2 2026 filing, The Merchants & Planters Bank reported total assets of $51.3 million in its FFIEC call report.
Where is The Merchants & Planters Bank headquartered?
It is headquartered in Clarendon, AR, United States.
When was The Merchants & Planters Bank founded?
It was established in 1890, per the FDIC institution directory.
Is The Merchants & Planters Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #107). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Merchants & Planters Bank?
The Merchants & Planters Bank's primary federal regulator is the FDIC.
How many branches does The Merchants & Planters Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Merchants & Planters Bank's Texas Ratio?
Its Texas Ratio is 2.29% 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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