Merchants & Planters Bank

Newport, AR · Cert 16464 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · M&P Cmty Bancshares 401 K Employee STK Ownership Plan

State charter, non-member · FDIC · 11 branches

Q2 2026

$379.4MAssets

$181.8MLoans

$340.9MDeposits

$33.5MEquity

Executive Summary

Strongest standing: return on equity outperforms 48% of banks under $1B in assets operating in a single state (rank 388 of 746).
Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets operating in a single state (rank 674 of 746).
Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.90%

Rank 461 of 746

Net Interest Margin

3.55%

Rank 424 of 746

Efficiency Ratio

74.81%

Rank 553 of 746

Equity / Assets

8.83%

Rank 571 of 746

Non-interest income vs. expense

Unfavorable gap of $8.7M · efficiency ratio beats 26% of banks under $1B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.90%	0.72%	1.06%	1.45%	Beats 38%	461 / 746
Return on Equity	10.21%	6.74%	10.51%	13.63%	Beats 48%	388 / 746
Net Interest Margin	3.55%	3.17%	3.68%	4.16%	Beats 43%	424 / 746
Efficiency Ratio	74.81%	55.74%	64.58%	75.47%	Beats 26%	553 / 746
Asset Quality
Nonperforming Loans / Loans	1.29%	0.09%	0.42%	1.07%	Beats 20%	592 / 743
Net Charge-Offs / Loans	0.06%	0.00%	0.01%	0.05%	Beats 22%	584 / 743
Capital
Tier 1 Capital Ratio	10.15%	11.55%	13.75%	17.60%	Beats 10%	668 / 746
Total Risk-Based Capital Ratio	10.15%	11.71%	14.33%	18.43%	Beats 10%	674 / 746
Equity / Assets	8.83%	8.90%	10.51%	13.06%	Beats 23%	571 / 746
Liquidity & Funding
Loans / Deposits	53.32%	61.31%	78.27%	90.78%	15th pctl	631 / 746
Loans / Assets	47.91%	53.60%	66.97%	76.08%	18th pctl	613 / 746
Brokered Deposits / Deposits	n/a	Not reported for this institution