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Merchants and Farmers Bank

$100M-$1B Specialty: Commercial AR FDIC cert 8735

Dumas, AR

3 branches across AR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
  • Deposits +10.4% year over year ($255.9M on the books).
  • Delinquency rate 2.43%.
  • Return on assets 1.22%.
  • Efficiency ratio 65.32% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR
View $100M-$1B leaderboard (AR) →

Merchants and Farmers Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.73% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 25.9% in tier
  • - Margin Compression: Bottom 32.9% in tier
  • - Cost Spiral: Bottom 63.8% in tier
  • - Delinquency Rate 1.51% above tier average
  • - Nonperforming Asset Ratio 1.22% above tier average
Get updates when Merchants and Farmers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $297.6M
+9.2% YoY +5.0% QoQ
-$89.0M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $230.9M
+6.8% YoY +4.4% QoQ
-$27.4M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $255.9M
+10.4% YoY +1.4% QoQ
-$70.9M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 1.22%
-23.7% YoY +4.7% QoQ
-0.10% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 4.71%
-8.5% YoY +1.7% QoQ
+0.73% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
Top 14.0% in tier
Efficiency Ratio ? 65.32%
+13.1% YoY -2.7% QoQ
+0.84% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
41%
Delinquency Rate ? 2.43%
+463.0% YoY -29.9% QoQ
+1.51% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
Bottom 9.2% in tier
Loan-to-Deposit Ratio ? 90.26%
-3.2% YoY +3.0% QoQ
+12.30% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 15.00%
-5.5% YoY -22.6% QoQ
-7.03% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 1.89%
+450.5% YoY -30.3% QoQ
+1.22% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
Bottom 8.2% in tier
Tier 1 Capital Ratio ? 12.33%
-4.6% YoY -0.1% QoQ
-3.58% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.22%
-3.0% YoY +94.5% QoQ
-0.34% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
56%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Noninterest-Bearing 15.0%
-0.9pp YoY
-4.4pp QoQ
 -7.2pp 22.1% 19.6% 22.2% 24%
Brokered Deposits 0.9%
-1.2pp QoQ
 -7.0pp 7.9% 7.2% 8.5% 16%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 14.0%
+1.3pp YoY
-1.0pp QoQ
 +2.5pp 11.6% 12.7% 12.5% 72%
CRE 46.5%
+3.2pp YoY
-1.2pp QoQ
 +6.9pp 39.5% 41.0% 41.4% 65%
1-4 Family 20.0%
-1.3pp YoY
-0.6pp QoQ
 -12.6pp 32.6% 28.1% 31.3% 30%
Consumer 2.2%
-0.2pp YoY
-0.1pp QoQ
 -1.9pp 4.1% 4.5% 5.0% 50%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 12.3%
-0.6pp YoY
0.0pp QoQ
 -6.5pp 18.8% 15.1% 19.7% 20%
Leverage Ratio 10.7%
-0.2pp YoY
+0.1pp QoQ
 -1.4pp 12.2% 11.9% 12.6% 45%
Total Capital Ratio 13.6%
-0.6pp YoY
0.0pp QoQ
 -6.4pp 19.9% 16.3% 20.8% 22%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 45
0 YoY
+1 (+2.3%) QoQ
 -14 58 315 482 47%
Assets per Employee ($) $6.6M
+9.2% YoY
+2.7% QoQ
 -$906K $7.5M $6.7M $8.8M 44%
Branch Count 3
0 YoY
0 QoQ
 -2 4 25 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 2.4%
+2.0pp YoY
-1.0pp QoQ
 +1.5pp 0.9% 1.1% 1.0% 91%
Allowance Coverage 0.53x
-82.8% YoY
+44.1% QoQ
 -23.62x 24.15x 4.69x 20.23x 11%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.2% 0.2% 78%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 12.2%
-3.5pp YoY
+0.7pp QoQ
 0.0pp 12.2% 12.3% 11.6% 51%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
-0.1pp QoQ
 +0.5pp 1.7% 2.0% 1.7% 80%
Net Income ($, YTD) $1.7M
-17.5% YoY
— QoQ
 -$819K $2.6M $16.0M $40.4M 47%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk
#180 of 691 • Bottom 25.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.26%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Margin Compression

decline
#102 of 307 • Bottom 32.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.22%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Cost Spiral

risk
#89 of 138 • Bottom 63.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 65.32%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

371
Net Interest Margin
profitability
Value: 4.71%
Peer Median: 3.99%
#371 of 2643 Top 14.0% in $100M-$1B

Top Weaknesses (3 metrics)

2427
Nonperforming Asset Ratio
credit_quality
Value: 1.89%
Peer Median: 0.67%
#2427 of 2643 Bottom 8.2% in $100M-$1B
2392
Delinquency Rate
credit_quality
Value: 2.43%
Peer Median: 0.92%
#2392 of 2633 Bottom 9.2% in $100M-$1B
2000
Non-Interest-Bearing Deposit Share
funding
Value: 15.00%
Peer Median: 22.03%
#2000 of 2643 Bottom 24.4% in $100M-$1B
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