Merchants&Farmers Bk Greene
Eutaw, Alabama · FDIC Cert #855
Merchants&Farmers Bk Greene is an FDIC-insured bank (Certificate #855) with $115M in total assets and $103M in total deposits as of the Q2 2024 Call Report. Headquartered in Eutaw, Alabama, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 3.27%. BankHealthData assigns a composite Health Grade of D (43/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Merchants&Farmers Bk Greene (FDIC cert 855) is a community bank — $115M in total assets, $103M in deposits, serving the Eutaw, Alabama area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is elevated: non-performing loan ratio of 3.27% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 30.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.36% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Merchants&Farmers Bk Greene carries a composite BankHealth grade of D (43/100) 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 Bk Greene
- Total Assets
- $115M
- Total Deposits
- $103M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 3.27%
- Liquidity Ratio
- 30.33%
- Return on Assets
- 1.36%
- Headquarters
- Eutaw, Alabama
- FDIC Certificate
- #855
- Health Grade
- D (43/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Merchants&Farmers Bk Greene holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Merchants&Farmers Bk Greene to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Merchants&Farmers Bk Greene shows some financial weakness with a Health Score of 43/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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 Bk Greene Compares
Merchants&Farmers Bk Greene’s Health Score of 43 is 23 points below the Alabama state average of 66 across 78 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 3.27% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.36% is in line with or above the national ROA benchmark of ~1.1%. Among 1179 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Merchants&Farmers Bk Greene is 27 points below the portfolio average of 70.
Frequently Asked Questions
Merchants&Farmers Bk Greene has a Bank Health Score of D (43/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below 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 Bk Greene's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 3.27% indicate an elevated 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 Bk Greene is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #855). 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 Bk Greene holds $115M in total assets and $103M in total deposits. It is headquartered in Eutaw, Alabama (FDIC Certificate #855).
Merchants&Farmers Bk Greene has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.27%, and the return on assets is 1.36%.
Yes. Merchants&Farmers Bk Greene is FDIC-insured (Certificate #855). 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 D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Merchants&Farmers Bk Greene shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.