Headquartered in Eutaw, Alabama, Merchants & Farmers Bank of Greene County, Alabama is a state-chartered bank with $135.9M in total assets and $120.4M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1900.
Based on its Q2 2026 filing, Merchants & Farmers Bank of Greene County, Alabama scores 46/100, which we describe as below average. That is higher than only 5% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 87th. Its strongest component is funding & liquidity (76/100; 68% loans-to-deposits, 30% uninsured), and its lowest is loan quality (0/100; 5.41%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 9 points (55 → 46), mostly because the earnings component weakened by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 65 |
| Q4 2024 | 66 |
| Q1 2025 | 50 |
| Q2 2025 | 55 |
| Q3 2025 | 54 |
| Q4 2025 | 52 |
| Q1 2026 | 49 |
| Q2 2026 | 46 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.72% |
| Q3 2024 | 11.68% |
| Q4 2024 | 11.66% |
| Q1 2025 | 11.69% |
| Q2 2025 | 12.24% |
| Q3 2025 | 12.47% |
| Q4 2025 | 12.27% |
| Q1 2026 | 11.79% |
| Q2 2026 | 11.69% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.27% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.43% |
| Q1 2025 | 3.79% |
| Q2 2025 | 3.57% |
| Q3 2025 | 4.26% |
| Q4 2025 | 3.67% |
| Q1 2026 | 4.51% |
| Q2 2026 | 5.41% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.25% |
| Q4 2024 | 1.25% |
| Q1 2025 | 1.14% |
| Q2 2025 | 1.48% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.07% |
| Q1 2026 | 0.98% |
| Q2 2026 | 0.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $135.9M | 11.69% | 5.41% | 0.77% | 68.1% |
| Q1 2026 | 49 | $136.5M | 11.79% | 4.51% | 0.98% | 66.8% |
| Q4 2025 | 52 | $128.4M | 12.27% | 3.67% | 1.07% | 67.1% |
| Q3 2025 | 54 | $127.3M | 12.47% | 4.26% | 1.38% | 64.9% |
| Q2 2025 | 55 | $123.5M | 12.24% | 3.57% | 1.48% | 66.0% |
| Q1 2025 | 50 | $123.2M | 11.69% | 3.79% | 1.14% | 64.8% |
| Q4 2024 | 66 | $126.0M | 11.66% | 1.43% | 1.25% | 63.0% |
| Q3 2024 | 65 | $121.0M | 11.68% | 1.52% | 1.25% | 66.2% |
| Q2 2024 | 50 | $114.5M | 11.72% | 3.27% | 1.18% | 68.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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 Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Southern Bank CompanyBank Gadsden, AL | 76 out of 100, Strong | $133.1M | 15.1% | 1.89% | vs |
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| The Citizens BankBank Greensboro, AL | 67 out of 100, Moderate | $129.2M | 12.2% | 1.87% | vs |
| Bank of MoundvilleBank Moundville, AL | 55 out of 100, Moderate | $144.6M | 15.1% | 5.45% | vs |
| Brantley Bank and Trust CompanyBank Brantley, AL | 48 out of 100, Below average | $126.9M | 10.1% | 2.55% | vs |
| The Samson Banking Company, Inc.Bank Samson, AL | 94 out of 100, Very strong | $124.5M | 14.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Merchants & Farmers Bank of Greene County, Alabama?
Yes. Merchants & Farmers Bank of Greene County, Alabama is an FDIC-insured institution (FDIC certificate #855). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.0% of deposits ($36.1M) 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 11.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Merchants & Farmers Bank of Greene County, Alabama lists 3 offices in 3 cities. Most locations:
- Demopolis, AL (1)
- Eutaw, AL (1)
- Prattville, AL (1)
Identity & history
Profile
- Legal name
- Merchants & Farmers Bank of Greene County, Alabama
- Type
- State-chartered bank
- FDIC certificate #
- 855
- RSSD ID
- 376237
- Primary regulator
- FDIC
- Holding company
- Merchants&farmers Bancshares
- Established
- January 1, 1900
- Headquarters
- 302 Prairie Ave, Eutaw, AL 35462
- Website
- mfbusa.com
- Employees
- 25
Quick answers
Merchants & Farmers Bank of Greene County, Alabama: common questions
Is Merchants & Farmers Bank of Greene County, Alabama FDIC insured?
Yes. Merchants & Farmers Bank of Greene County, Alabama is an FDIC-insured institution (FDIC certificate #855). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Merchants & Farmers Bank of Greene County, Alabama's TellerScore?
46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Merchants & Farmers Bank of Greene County, Alabama ever failed?
There is no failure record for FDIC certificate #855 in the FDIC failed bank list.
How many branches does Merchants & Farmers Bank of Greene County, Alabama have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Eutaw
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL | 99 out of 100, Very strong | $2.2M | 23.1% | 0.08% | vs |
| West Alabama Bank & TrustBank Reform, AL | 77 out of 100, Strong | $929.0M | 12.2% | 0.44% | vs |
| Naheola Credit UnionCredit union Pennington, AL | 74 out of 100, Strong | $219.6M | 18.0% | 1.97% | vs |
| Citizens Trust BankBank Atlanta, GA | 71 out of 100, Strong | $790.3M | 13.2% | 1.63% | vs |
| BankFirst Financial ServicesBank Columbus, MS | 69 out of 100, Moderate | $3.3B | 10.9% | 0.77% | vs |
| The Citizens BankBank Greensboro, AL | 67 out of 100, Moderate | $129.2M | 12.2% | 1.87% | vs |