The Merchants & Planters Bank: how it compares with its peers
Against 526 U.S. banks with half to twice its assets, The Merchants & Planters Bank's strongest measure in Q2 2026 is assets per employee ($6.4M vs. a $6.1M peer median). Its weakest relative measure is return on assets (0.40% vs. 1.03%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.40% | 1.03% | Bottom third Ahead of 22% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.30% | 3.87% | Bottom third Ahead of 22% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.34% | 69.70% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.1M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 44.18% | 67.03% | Context |
What it means for lending operations
Its efficiency ratio of 79.34% is above the 69.70% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- FMB Bank Wright City, MO · $51M
- Lamont Bank of St. John Saint John, WA · $51M
- Rolette State Bank Rolette, ND · $52M
- Brighton Bank Brighton, TN · $51M
- Talbot State Bank Woodland, GA · $52M
- The State Exchange Bank Mankato, KS · $51M
Questions about The Merchants & Planters Bank
How big is The Merchants & Planters Bank?
The Merchants & Planters Bank, established in 1890, is headquartered in Clarendon, AR. It reported $51M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Merchants & Planters Bank's return on assets?
0.40% annualized in Q2 2026, against a 1.03% median for 526 U.S. banks with half to twice its assets, ahead of 22% of them.
What is The Merchants & Planters Bank's efficiency ratio?
79.34% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 69.70%, and lower is better.
Is The Merchants & Planters Bank growing its loans?
Net loans grew 6.9% over the year to Q2 2026, while deposits grew 1.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.