BlastPoint's Banking Scorecard
Merchants and Farmers Bank
Dumas, AR
3 branches across AR
Merchants and Farmers Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.70% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 23.9% in tier
- - Cost Spiral: Bottom 61.9% in tier
- - Delinquency Rate 2.58% above tier average
- - Nonperforming Asset Ratio 2.07% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$283.3M
+8.4% YoY
+4.6% QoQ
|
-$102.8M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$221.3M
+8.0% YoY
+1.4% QoQ
|
-$34.5M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$252.4M
+13.8% YoY
+9.2% QoQ
|
-$75.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
1.17%
-25.9% YoY
-21.2% QoQ
|
-0.10% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
4.63%
-9.2% YoY
-10.9% QoQ
|
+0.70% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
Top 14.7% in tier |
| Efficiency Ratio ? |
67.16%
+12.4% YoY
+11.6% QoQ
|
+1.87% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
3.47%
+169.7% YoY
+127.8% QoQ
|
+2.58% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.5% in tier |
| Loan-to-Deposit Ratio ? |
87.66%
-5.1% YoY
-7.1% QoQ
|
+11.02% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
19.37%
+16.7% YoY
+7.1% QoQ
|
-2.65% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
2.71%
+168.4% YoY
+120.8% QoQ
|
+2.07% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.8% in tier |
| Tier 1 Capital Ratio ? |
12.34%
-4.4% YoY
-2.4% QoQ
|
-3.49% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.11%
-3.6% YoY
-78.6% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
60% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.