TellerScore

The Merchants & Planters Bank is a state-chartered bank headquartered in Clarendon, Arkansas, in business for about 136 years. At the end of Q2 2026 it reported $51.3M in total assets and $46.9M in deposits, with 1 office.

Based on its Q2 2026 filing, The Merchants & Planters Bank scores 72/100, which we describe as strong. That is higher than only 45% of 546 banks with under $100 million in assets. Among 78 banks headquartered in Arkansas, it ranks 31st. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is earnings (36/100; 0.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.30%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 44.2% · 29.1% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.29%

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 3 points (75 → 72), mostly because the earnings component weakened by 13 points.

TellerScore
707477Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202473
Q4 202472
Q1 202576
Q2 202575
Q3 202577
Q4 202572
Q1 202670
Q2 202672
Tier 1 leverage ratio
5.00%8.54%12.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.08%
Q3 202411.27%
Q4 202411.01%
Q1 202511.53%
Q2 202511.25%
Q3 202511.97%
Q4 202510.67%
Q1 202610.45%
Q2 202611.30%
Noncurrent loans
0.05%0.13%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.05%
Q4 20240.14%
Q1 20250.07%
Q2 20250.05%
Q3 20250.06%
Q4 20250.15%
Q1 20260.12%
Q2 20260.21%
Return on assets
0.40%0.57%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.52%
Q4 20240.61%
Q1 20250.73%
Q2 20250.72%
Q3 20250.69%
Q4 20250.67%
Q1 20260.55%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$51.3M11.30%0.21%0.40%44.2%
Q1 202670$52.4M10.45%0.12%0.55%36.5%
Q4 202572$55.2M10.67%0.15%0.67%34.3%
Q3 202577$50.5M11.97%0.06%0.69%42.2%
Q2 202575$50.1M11.25%0.05%0.72%41.7%
Q1 202576$48.6M11.53%0.07%0.73%40.8%
Q4 202472$52.5M11.01%0.14%0.61%37.4%
Q3 202473$49.4M11.27%0.05%0.52%40.4%
Q2 202476$47.8M12.08%0.06%0.54%38.6%

546 peers · Under $100 million in assets

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 ratio11.30%
33rd
Total risk-based capital0.00%
27th
Problem loans0.21%
56th
Net charge-offs0.03%
27th
Return on assets0.40%
24th
Net interest margin3.30%
23rd
Efficiency ratio79.3%
33rd
Loans to deposits44.2%
77th
Uninsured deposits29.1%
13th
Loan-loss reserves0.63%
11th
Texas ratio2.3%
48th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of BeardenBank Bearden, AR83 out of 100, Strong$67.4M11.3%0.00%vs
Riverside BankBank Sparkman, AR76 out of 100, Strong$73.9M12.3%0.04%vs
Community State BankBank Bradley, AR69 out of 100, Moderate$89.8M10.0%0.00%vs
Bank of Lake VillageBank Lake Village, AR82 out of 100, Strong$90.6M16.1%1.00%vs

Deposit insurance

Is my money safe at The Merchants & Planters Bank?

Yes. The Merchants & Planters Bank is an FDIC-insured institution (FDIC certificate #107). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.1% of deposits ($13.7M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.30%, 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%).

Check how much of your own balance is covered

1 location

Branches

The Merchants & Planters Bank lists 1 office in 1 city. Most locations:

  • Clarendon, AR (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Merchants & Planters Bank
Type
State-chartered bank
FDIC certificate #
107
RSSD ID
691042
Primary regulator
FDIC
Holding company
Clarendon Holding Co
Established
January 1, 1890
Headquarters
297 Madison St, Clarendon, AR 72029
Employees
8

Quick answers

The Merchants & Planters Bank: common questions

Is The Merchants & Planters Bank FDIC insured?

Yes. The Merchants & Planters Bank is an FDIC-insured institution (FDIC certificate #107). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Merchants & Planters Bank's TellerScore?

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

Has The Merchants & Planters Bank ever failed?

There is no failure record for FDIC certificate #107 in the FDIC failed bank list.

How many branches does The Merchants & Planters Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Clarendon

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of Eastern ArkansasBank Forrest City, AR72 out of 100, Strong$589.5M11.0%0.64%vs
Partners BankBank Helena, AR71 out of 100, Strong$417.1M13.7%0.93%vs
Signature Bank of ArkansasBank Fayetteville, AR67 out of 100, Moderate$1.6B9.6%0.04%vs
The Farmers & Merchants BankBank Stuttgart, AR67 out of 100, Moderate$2.0B9.8%0.39%vs
Merchants & Planters' BankBank Newport, AR62 out of 100, Moderate$379.4M10.2%1.29%vs
Southern Bancorp BankBank Arkadelphia, AR61 out of 100, Moderate$3.0B11.9%1.42%vs