The Farmers & Merchants Bank
Stuttgart, AR
IDRSSD: 677644
Total Assets
$1.95B
Latest filing
Total Deposits
$1.62B
Latest filing
Net Interest Margin
3.89%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Farmers & Merchants Bank
708 S Main St
Stuttgart, AR 72160
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/02/1945FDIC Certificate 10415
Branches (20)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The Farmers & Merchants Bank (Main) | 708 S Main St | Stuttgart, AR |
| PERRYVILLE BRANCH | 813 N Fourche Ave | Perryville, AR |
| DESARC BRANCH | 110 W Third | Des Arc, AR |
| MOUNTAIN HOME BRANCH | 502 Hickory St | Mountain Home, AR |
| HAZEN BRANCH | 108 West Front Street | Hazen, AR |
| MARKET BRANCH | 102 E 22nd St | Stuttgart, AR |
| MORRILTON BRANCH | 1600 Oak St | Morrilton, AR |
| GASSVILLE BRANCH | 701 E Main St | Gassville, AR |
Showing 7 of 20
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/02/1945 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 72160 |
| State and County Number | 05001 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 282 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/02/1945 |
| Primary Insurance Agency | DIF |
| Website | www.gofm.bank |
| Data Updated | 01/30/2026 |
| CERT | 16216 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.95B |
| Total Deposits | $1.62B |
| Total Liabilities | $1.74B |
| Total Equity Capital | $218.07M |
| Net Income | $4.88M |
| Net Loans and Leases | $1.36B |
| Assets Per Employee ($Millions) | $6.93M |
| Bank Premises and Fixed Assets | $27.33M |
| Cash and Balances due from Depository Institutions | $30.82M |
| Deposits Held in Domestic Offices | $1.62B |
Key Performance Ratios
| Return on Assets (ROA) | 1% |
| Return on Equity (ROE) | 9.06% |
| Net Interest Margin | 3.89% |
| Efficiency Ratio | 63.41% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.24% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.163% |
| Earning Assets to total Assets | 90.06% |
Income and Expense
| Total Interest Income | $26.53M |
| Total Noninterest Income | $3.74M |
| Total Interest Expense | $9.40M |
| Total Noninterest Expense | $13.37M |
| Net Interest Income | $17.12M |
| Pre-tax Net Operating Income | $6.33M |
| Provision for Credit Losses | $1.15M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $56.00k |
| Other borrowed funds | $95.07M |
| Federal Funds Sold & Reverse Repurchase Agreement | $31.68M |
| Federal Funds Purchased and Repurchased Agreement | $7.72M |
| All Other Liabilities | $14.42M |
| Total Liabilities and Capital | $1.95B |
Securities
| Securities | $361.06M |
| Available-for-sale debt securities | $360.44M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $625.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Farmers & Merchants Bank?
$1.95B as of the latest filing.
How much are The Farmers & Merchants Bank's total deposits?
$1.62B in total deposits.
Where is The Farmers & Merchants Bank located?
Stuttgart, AR.
What is the Net Interest Margin?
3.89%.
How many domestic offices does it operate?
21.
When was it established?
01/02/1945.
What is the Return on Assets (ROA)?
1%.
How much are total loans and leases?
$1.36B (latest filing).
What is the total interest income (latest filing)?
$26.53M.