Merchants&Farmers Bank
Dumas, Arkansas · FDIC Cert #8735
Merchants&Farmers Bank is an FDIC-insured bank (Certificate #8735) with $249M in total assets and $211M in total deposits as of the Q2 2024 Call Report. Headquartered in Dumas, Arkansas, the bank maintains a Tier 1 capital ratio of 13.07% (Well-Capitalized) and a nonperforming loan ratio of 0.13%. BankHealthData assigns a composite Health Grade of B (72/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Merchants&Farmers Bank (FDIC cert 8735) is a community bank — $249M in total assets, $211M in deposits, serving the Dumas, Arkansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.07% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.13% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 9.1% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.60% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Merchants&Farmers Bank carries a composite BankHealth grade of B (72/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Merchants&Farmers Bank
- Total Assets
- $249M
- Total Deposits
- $211M
- Tier 1 Capital Ratio
- 13.07%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.13%
- Liquidity Ratio
- 9.12%
- Return on Assets
- 1.60%
- Headquarters
- Dumas, Arkansas
- FDIC Certificate
- #8735
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Merchants&Farmers Bank holds a Tier 1 capital ratio of 13.07%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Merchants&Farmers Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Merchants&Farmers Bank shows strong financial health indicators. With $249M in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Merchants&Farmers Bank Compares
Merchants&Farmers Bank’s Health Score of 72 is 6 points above the Arkansas state average of 66 across 57 FDIC-insured banks. Its 13.07% Tier 1 capital ratio is 0.9 points below the US banking industry average near 14%. The 0.13% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.60% is in line with or above the national ROA benchmark of ~1.1%. Among 1577 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Merchants&Farmers Bank is 2 points above the portfolio average of 70.
Frequently Asked Questions
Merchants&Farmers Bank has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.07%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Merchants&Farmers Bank's Tier 1 capital ratio of 13.07% and nonperforming loan ratio of 0.13% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Merchants&Farmers Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8735). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Merchants&Farmers Bank holds $249M in total assets and $211M in total deposits. It is headquartered in Dumas, Arkansas (FDIC Certificate #8735).
Merchants&Farmers Bank has a Tier 1 capital ratio of 13.07%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.13%, and the return on assets is 1.60%.
Yes. Merchants&Farmers Bank is FDIC-insured (Certificate #8735). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Merchants&Farmers Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.