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Merchants & Planters Bank

Newport, AR · Cert 16464 · 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
Loan mix
77%RE $96.2M11%C&I $13.6M12%Consumer $15.0MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $229.8M33%Noninterest $111.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.10%, up 33 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 1.29% of loans (-197 bps YoY), with net recoveries of 0.62%.
  • Capital: tier 1 leverage ratio of 10.15%, down 24 bps from a year ago.
  • Funding: loans stand at 53.32% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.10%+33 bps YoY

Net Interest Margin (quarter, annualized)

3.79%+25 bps YoY

Efficiency Ratio (quarter, annualized)

72.38%-359 bps YoY

Tier 1 Leverage Ratio

10.15%-24 bps YoY

NIM

5.30%Q2 ’245.06%Q2 ’255.12%Q2 ’26-4%+7%

Non-interest income vs. expense

3.67%Q2 ’243.54%Q2 ’253.54%Q2 ’26-1%+1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%1.03%0.71%0.77%1.08%0.98%0.81%1.10%+33 bps
Return on Equity9.36%11.09%7.86%8.55%11.94%10.82%8.76%12.09%+353 bps
Net Interest Margin3.72%3.94%3.44%3.54%3.65%3.58%3.37%3.79%+25 bps
Efficiency Ratio70.26%77.55%76.42%75.97%70.81%75.12%77.53%72.38%-359 bps
Non-Interest Burden2.26%2.85%2.37%2.42%2.26%2.41%2.37%2.44%+2 bps
Growth
Asset Growth (YoY)-5.10%-1.65%3.45%3.62%11.35%11.71%4.47%13.98%+1,035 bps
Loan Growth (YoY)1.21%10.59%8.04%1.37%-5.00%-5.38%-5.57%2.42%+105 bps
Deposit Growth (YoY)-0.31%-0.56%3.12%3.30%11.87%11.93%4.09%14.55%+1,125 bps
Asset Quality
Nonperforming Loans / Loans2.69%3.09%3.45%3.26%3.08%3.16%2.25%1.29%-197 bps
Net Charge-Offs / Loans0.10%0.42%0.13%0.07%0.16%1.36%0.14%-0.62%-69 bps
Allowance / Loans0.85%0.90%1.00%1.00%1.02%0.86%0.86%0.91%-9 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.3x0.3x0.4x0.7x+0.4x
Capital
Tier 1 Leverage Ratio10.77%10.59%10.57%10.39%10.41%10.03%10.19%10.15%-24 bps
Total Risk-Based Capital10.77%10.59%10.57%10.39%10.41%10.03%10.19%10.15%-24 bps
Equity / Assets9.43%9.09%8.99%9.02%9.03%9.06%9.36%8.83%-19 bps
Liquidity & Funding
Loans / Deposits67.25%62.64%56.92%59.64%57.11%52.95%51.63%53.32%-632 bps
Liquid Assets / Assets6.56%10.42%15.70%12.10%12.78%15.54%18.27%18.41%+631 bps
CRE / Total Capitaln/an/an/an/a107.35%108.35%102.66%n/an/a