Merchants and Farmers Bank
Dumas, AR · Cert 8735 · Peer group: banks under $1B in assets (n=581-629) · M&F Financial Corp.
State charter, Fed member · FED · 3 branches
Q2 2026
$297.6MAssets
$233.9MLoans
$255.9MDeposits
$29.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 87% of banks under $1B in assets (rank 82 of 629).
- Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets (rank 521 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.17%
Rank 254 of 629
Net Interest Margin
4.40%
Rank 82 of 629
Efficiency Ratio
65.32%
Rank 267 of 629
Equity / Assets
9.86%
Rank 389 of 629
Non-interest income vs. expense
Unfavorable gap of $7.6M · efficiency ratio beats 58% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.60% | 1.01% | 1.45% | Beats 60% | 254 / 629 | | |
| Return on Equity | 11.83% | 5.38% | 9.30% | 13.28% | Beats 66% | 217 / 629 | | |
| Net Interest Margin | 4.40% | 3.03% | 3.54% | 4.05% | Beats 87% | 82 / 629 | | |
| Efficiency Ratio | 65.32% | 58.35% | 67.79% | 79.08% | Beats 58% | 267 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.40% | 0.09% | 0.46% | 1.20% | Beats 10% | 521 / 581 | | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 26% | 434 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.33% | 11.24% | 13.84% | 18.77% | Beats 37% | 399 / 629 | | |
| Total Risk-Based Capital Ratio | 13.58% | 11.58% | 14.43% | 19.66% | Beats 43% | 356 / 629 | | |
| Equity / Assets | 9.86% | 9.09% | 10.65% | 13.80% | Beats 38% | 389 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.42% | 67.24% | 80.90% | 93.48% | 72nd pctl | 167 / 594 | | |
| Loans / Assets | 78.61% | 53.31% | 67.71% | 78.15% | 76th pctl | 148 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |