Merchants and Farmers Bank: how it compares with its peers
Against 35 AR banks with half to twice its assets, Merchants and Farmers Bank's strongest measure in Q2 2026 is net interest margin (4.71% vs. a 4.14% peer median). Its weakest relative measure is efficiency ratio (65.32% vs. 63.01%).
| Measure | Merchants and Farmers Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.22% | 1.21% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.71% | 4.14% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.32% | 63.01% | Middle third Ahead of 46% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.2M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.26% | 80.91% | Context |
What it means for lending operations
Its efficiency ratio of 65.32% is above the 63.01% 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
- First National Bank Of Commerce Walnut Ridge, AR · $297M
- United Bank Springdale, AR · $296M
- Farmers Bank Greenwood, AR · $289M
- Horatio State Bank Horatio, AR · $312M
- PEOPLES BANK Sheridan, AR · $314M
- First State Bank Lonoke, AR · $328M
Questions about Merchants and Farmers Bank
How big is Merchants and Farmers Bank?
Merchants and Farmers Bank, established in 1909, is headquartered in Dumas, AR. It reported $298M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Merchants and Farmers Bank's return on assets?
1.22% annualized in Q2 2026, against a 1.21% median for 35 AR banks with half to twice its assets, ahead of 51% of them.
What is Merchants and Farmers Bank's efficiency ratio?
65.32% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 63.01%, and lower is better.
Is Merchants and Farmers Bank growing its loans?
Net loans grew 6.8% over the year to Q2 2026, while deposits grew 10.4%.
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 AR 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.