BlastPoint's Banking Scorecard
Merchants and Farmers Bank
Micro
Specialty: Commercial
AR
FDIC cert 8735
Designations: ✓ Community bank
Dumas, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Merchants and Farmers Bank shows strong momentum with 1 strength and 6.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.34% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$270.8M
+6.4% YoY
-3.5% QoQ
|
+$53.3M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$218.2M
+6.0% YoY
-2.7% QoQ
|
+$79.0M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$231.2M
+6.7% YoY
-3.1% QoQ
|
+$47.5M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.48%
+8.9% YoY
-2.8% QoQ
|
+0.40% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
5.20%
+6.1% YoY
+1.6% QoQ
|
+1.34% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
60.16%
-3.2% YoY
+0.9% QoQ
|
-7.57% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
1.52%
+216.8% YoY
+113.0% QoQ
|
+0.88% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
94.39%
-0.7% YoY
+0.4% QoQ
|
+19.86% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
18.08%
+2.5% YoY
+16.1% QoQ
|
-4.32% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
1.23%
+214.6% YoY
+114.8% QoQ
|
+0.77% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
12.64%
-0.8% YoY
-2.3% QoQ
|
+3.79% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.53%
-4.5% YoY
+53.9% QoQ
|
-0.03% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.20%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Net Interest Margin
Current: 5.20% · Tier avg: 3.85%
78
78th pctile
Total Loans
Current: $218.2M · Tier avg: $139.2M
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
67
67th pctile
Efficiency Ratio
Current: 60.16% · Tier avg: 67.73%
67
67th pctile
Total Deposits
Current: $231.2M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $270.8M · Tier avg: $217.5M
62
62th pctile
Tier 1 Capital Ratio
Current: 12.64% · Tier avg: 8.85%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.08% · Tier avg: 22.39%
19
19th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.64%
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.39% · Tier avg: 74.53%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.23% · Tier avg: 0.45%
Top Weaknesses
15
15th pctile
Nonperforming Asset Ratio
Current: 1.23% · Tier avg: 0.45%
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.39% · Tier avg: 74.53%
19
19th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.64%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.08% · Tier avg: 22.39%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.64% · Tier avg: 8.85%
66
66th pctile
Total Assets
Current: $270.8M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $231.2M · Tier avg: $183.7M
67
67th pctile
Efficiency Ratio
Current: 60.16% · Tier avg: 67.73%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
78
78th pctile
Total Loans
Current: $218.2M · Tier avg: $139.2M
93
93th pctile
Net Interest Margin
Current: 5.20% · Tier avg: 3.85%