B
The Farmers & Merchants Bank
Rating Date
October 2025
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 7.40
Capitalization Index 7.90
Liquidity Index 3.20
Profitability Index 4.90
Stability Index 8.80
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 6.07%
5-Year Asset Growth 4.27%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.17%
Non-Performing Assets to Assets 0.82%
Non-Performing Loans to Capital 1.56%
Non-Performing Loans to Loans 1.14%
Balance Sheet The Farmers & Merchants Bank
Stuttgart, AR
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Total Assets 1.95B
Total Deposits 1.63B
Capital and Reserves The Farmers & Merchants Bank
Stuttgart, AR
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Capital 213.21M
Leverage Ratio 9.57
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio --
Liquidity The Farmers & Merchants Bank
Stuttgart, AR
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Hot Money Ratio 15.14%
Liquidity Ratio 16.98%
Profitability The Farmers & Merchants Bank
Stuttgart, AR
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5-Year Return on Average Assets 0.77%
Net Income 14.38M
Net Interest Spread 3.65%
Operating Profit to Average Assets 1.27%
Overhead Efficiency Ratio 64.75%
Return on Assets 1.01%
Return on Equity 9.38%