B
The Farmers & Merchants Bank
Rating Date
March 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 6.70
Capitalization Index 8.10
Liquidity Index 3.10
Profitability Index 4.90
Stability Index 8.70
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 7.75%
5-Year Asset Growth 3.22%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.48%
Non-Performing Loans to Capital 3.87%
Non-Performing Loans to Loans 0.67%
Balance Sheet The Farmers & Merchants Bank
Stuttgart, AR
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Total Assets 1.95B
Total Deposits 1.62B
Capital and Reserves The Farmers & Merchants Bank
Stuttgart, AR
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Capital 218.07M
Leverage Ratio 9.76
Loan Loss Reserves to Loans 1.27%
Risk-Based Capital Ratio --
Liquidity The Farmers & Merchants Bank
Stuttgart, AR
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Hot Money Ratio 14.61%
Liquidity Ratio 16.92%
Profitability The Farmers & Merchants Bank
Stuttgart, AR
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5-Year Return on Average Assets 0.77%
Net Income 19.26M
Net Interest Spread 3.71%
Operating Profit to Average Assets 1.27%
Overhead Efficiency Ratio 64.58%
Return on Assets 1.00%
Return on Equity 9.29%