TellerScore

The Farmers & Merchants Bank is a state-chartered bank (fed member) headquartered in Stuttgart, Arkansas, in business for about 81 years. At the end of Q2 2026 it reported $2.0B in total assets and $1.7B in deposits, with 21 offices.

Based on its Q2 2026 filing, The Farmers & Merchants Bank scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 46th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (48/100; 9.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.79%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.39%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 82.2% · 30.6% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.42%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 67).

TellerScore
646668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202466
Q1 202567
Q2 202567
Q3 202568
Q4 202566
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%7.47%9.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.62%
Q3 20249.74%
Q4 20249.94%
Q1 20259.85%
Q2 20259.83%
Q3 20259.57%
Q4 20259.76%
Q1 20269.86%
Q2 20269.79%
Noncurrent loans
0.23%0.38%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.48%
Q3 20240.34%
Q4 20240.32%
Q1 20250.31%
Q2 20250.27%
Q3 20250.23%
Q4 20250.47%
Q1 20260.53%
Q2 20260.39%
Return on assets
0.76%0.92%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.76%
Q4 20240.77%
Q1 20250.93%
Q2 20251.01%
Q3 20251.02%
Q4 20251.02%
Q1 20261.05%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$2.0B9.79%0.39%1.07%82.2%
Q1 202666$2.0B9.86%0.53%1.05%80.6%
Q4 202566$2.0B9.76%0.47%1.02%84.3%
Q3 202568$2.0B9.57%0.23%1.02%83.2%
Q2 202567$1.9B9.83%0.27%1.01%86.5%
Q1 202567$1.9B9.85%0.31%0.93%83.1%
Q4 202466$1.8B9.94%0.32%0.77%84.2%
Q3 202465$1.8B9.74%0.34%0.76%85.2%
Q2 202464$1.9B9.62%0.48%0.79%85.7%

897 peers · $1 billion – $10 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).

Capital ratio9.79%
32nd
Total risk-based capital0.00%
13th
Problem loans0.39%
61st
Net charge-offs0.01%
68th
Return on assets1.07%
35th
Net interest margin4.01%
69th
Efficiency ratio63.9%
35th
Loans to deposits82.2%
63rd
Uninsured deposits30.6%
50th
Loan-loss reserves1.29%
68th
Texas ratio2.4%
64th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
First Financial BankBank El Dorado, AR50 out of 100, Below average$2.0B11.2%3.64%vs
The First National Bank of Fort SmithBank Fort Smith, AR78 out of 100, Strong$2.3B11.1%0.44%vs
Signature Bank of ArkansasBank Fayetteville, AR67 out of 100, Moderate$1.6B9.6%0.04%vs
The Citizens BankBank Batesville, AR70 out of 100, Strong$1.6B8.9%0.37%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
First National BankBank Paragould, AR71 out of 100, Strong$2.6B11.1%0.19%vs

Deposit insurance

Is my money safe at The Farmers & Merchants Bank?

Yes. The Farmers & Merchants Bank is an FDIC-insured institution (FDIC certificate #16216). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.6% of deposits ($526.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.79%, 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%).

Check how much of your own balance is covered

21 locations

Branches

The Farmers & Merchants Bank lists 19 offices in 16 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Farmers & Merchants Bank reported 465 home-loan applications under HMDA (LEI 54930009DUZUXUZIDL84): 329 originated ($68,615,000 total), 62 denied, and 49 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.9%, 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.

Identity & history

Profile

Legal name
The Farmers & Merchants Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
16216
RSSD ID
677644
Primary regulator
FED
Holding company
Farmers&merchants Bankshares
Established
January 2, 1945
Headquarters
708 S Main St, Stuttgart, AR 72160
Employees
295

Quick answers

The Farmers & Merchants Bank: common questions

Is The Farmers & Merchants Bank FDIC insured?

Yes. The Farmers & Merchants Bank is an FDIC-insured institution (FDIC certificate #16216). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Farmers & Merchants Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Farmers & Merchants Bank ever failed?

There is no failure record for FDIC certificate #16216 in the FDIC failed bank list.

How many branches does The Farmers & Merchants Bank have?

21 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Stuttgart

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Lonoke, AR77 out of 100, Strong$328.1M11.2%0.00%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
The Merchants & Planters BankBank Clarendon, AR72 out of 100, Strong$51.3M11.3%0.21%vs
First National Bank of Eastern ArkansasBank Forrest City, AR72 out of 100, Strong$589.5M11.0%0.64%vs
Southern Bancorp BankBank Arkadelphia, AR61 out of 100, Moderate$3.0B11.9%1.42%vs
Stone BankBank Mountain View, AR60 out of 100, Moderate$950.7M8.4%1.04%vs