B
The Farmers & Merchants Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Farmers & Merchants Bank
Stuttgart, AR
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Rating B
Asset Quality Index 6.60
Capitalization Index 8.20
Liquidity Index 3.00
Profitability Index 5.00
Stability Index 9.10
Company Info The Farmers & Merchants Bank
Stuttgart, AR
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FDIC Number 16216
Phone Number (870) 673-6911
Website gofm.bank
Asset Quality The Farmers & Merchants Bank
Stuttgart, AR
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1-Year Asset Growth 6.32%
5-Year Asset Growth 3.22%
5-Year Charge-Offs to Average Loans 0.11%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.48%
Non-Performing Loans to Capital 3.51%
Non-Performing Loans to Loans 0.65%
Balance Sheet The Farmers & Merchants Bank
Stuttgart, AR
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Total Assets 2.02B
Total Deposits 1.72B
Capital and Reserves The Farmers & Merchants Bank
Stuttgart, AR
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Capital 225.39M
Leverage Ratio 9.79
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio --
Liquidity The Farmers & Merchants Bank
Stuttgart, AR
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Hot Money Ratio 14.50%
Liquidity Ratio 16.36%
Profitability The Farmers & Merchants Bank
Stuttgart, AR
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5-Year Return on Average Assets 0.81%
Net Income 10.64M
Net Interest Spread 3.99%
Operating Profit to Average Assets 1.34%
Overhead Efficiency Ratio 64.61%
Return on Assets 1.06%
Return on Equity 9.61%