Merchants and Farmers Bank
Dumas, AR
IDRSSD: 644842
Total Assets
$280.58M
Latest filing
Total Deposits
$238.57M
Latest filing
Net Interest Margin
5.04%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Merchants and Farmers Bank
500 Highway 65 S
Dumas, AR 71639
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/10/1909FDIC Certificate 5564
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Merchants and Farmers Bank (Main) | 500 Highway 65 S | Dumas, AR |
| BRYANT BRANCH | 3512 Highway 5 N | Bryant, AR |
| BENTON BRANCH | 146 W. South Street | Benton, AR |
Showing 2 of 2
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 | 05/10/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 71639 |
| State and County Number | 05041 |
| 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 | 45 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/01/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mfbanknet.com |
| Data Updated | 11/14/2025 |
| CERT | 8735 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $280.58M |
| Total Deposits | $238.57M |
| Total Liabilities | $251.27M |
| Total Equity Capital | $29.31M |
| Net Income | $952.00k |
| Net Loans and Leases | $224.22M |
| Assets Per Employee ($Millions) | $6.53M |
| Bank Premises and Fixed Assets | $4.51M |
| Cash and Balances due from Depository Institutions | $5.81M |
| Deposits Held in Domestic Offices | $238.57M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 13.29% |
| Net Interest Margin | 5.04% |
| Efficiency Ratio | 63.28% |
| Tier 1 Risk-Based Capital Ratio | 12.936% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.445% |
| Earning Assets to total Assets | 91.82% |
Income and Expense
| Total Interest Income | $4.80M |
| Total Noninterest Income | $348.00k |
| Total Interest Expense | $1.60M |
| Total Noninterest Expense | $2.24M |
| Net Interest Income | $3.19M |
| Pre-tax Net Operating Income | $1.24M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.11M |
| Federal Funds Sold & Reverse Repurchase Agreement | $12.88M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.59M |
| Total Liabilities and Capital | $280.58M |
Securities
| Securities | $18.98M |
| Available-for-sale debt securities | $18.98M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Merchants and Farmers Bank?
$280.58M as of the latest filing.
How much are Merchants and Farmers Bank's total deposits?
$238.57M in total deposits.
Where is Merchants and Farmers Bank located?
Dumas, AR.
What is the Net Interest Margin?
5.04%.
How many domestic offices does it operate?
3.
When was it established?
05/10/1909.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$224.22M (latest filing).
What is the total interest income (latest filing)?
$4.80M.