The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 23 points (73 → 50), mostly because the loan quality component weakened by 66 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Arkansas

Yes. Merchants and Farmers Bank is an FDIC-insured institution (FDIC certificate #8735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.5% of deposits ($83.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.74%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.58% (benchmark: 10%).

Check how much of your own balance is covered

Merchants and Farmers Bank lists 3 offices in 3 cities. Most locations:

• Benton, AR (1)
• Bryant, AR (1)
• Dumas, AR (1)

All branch addresses and map

In 2025, Merchants and Farmers Bank reported 40 home-loan applications under HMDA (LEI 5493000A2XS66AH5XM81): 31 originated ($7,255,000 total), 5 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Merchants and Farmers Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

8735

RSSD ID

644842

Primary regulator

FED

Holding company

M&f Financial Corp

Established

May 10, 1909

Headquarters

500 Highway 65 S, Dumas, AR 71639

Website

www.mfbanknet.com

Employees

45