Farmers&Merchants Bank (FDIC #16216): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Bank (FDIC Cert #16216): bank stress 65/100, elevated, STABLE over 7 days; parent FARMERS&MERCHANTS BANKSHARES.
Farmers&Merchants Bank (#16216) lends in 9 counties across 1 state; Farmers&Merchants Bank (#16216) reaches 119 ZIP codes: Arkansas 9 counties, 119 ZIPs.
Farmers&Merchants Bank (#16216) largest markets: Benton County, AR (22 branches, 22 ZIPs) (#16216), Washington County, AR (120 branches, 20 ZIPs) (#16216), Craighead County, AR (34 branches, 17 ZIPs) (#16216), Conway County, AR (15 branches, 15 ZIPs) (#16216), Arkansas County, AR (39 branches, 13 ZIPs) (#16216), Prairie County, AR (24 branches, 12 ZIPs) (#16216).
Farmers&Merchants Bank (#16216) reports $2.02 billion in total assets; Farmers&Merchants Bank (#16216) equity $225.4 million (11.2% of Farmers&Merchants Bank (#16216) assets); Farmers&Merchants Bank (#16216) domestic deposits $1.72 billion; Farmers&Merchants Bank (#16216) net income $10.6 million; Farmers&Merchants Bank (#16216) return on assets 1.07%; Farmers&Merchants Bank (#16216) return on equity 9.60%; Farmers&Merchants Bank (#16216) net interest income $36.0 million; Farmers&Merchants Bank (#16216) call report June 30, 2026.
Farmers&Merchants Bank (#16216) noncurrent real-estate loans: none reported; Farmers&Merchants Bank (#16216) net charge-offs on real estate 0.23%; Farmers&Merchants Bank (#16216) residential charge-offs 0.02%.
Farmers&Merchants Bank (#16216) net interest margin 4.01% against an eight-quarter Farmers&Merchants Bank (#16216) average of 3.66% (Farmers&Merchants Bank (#16216) compression -0.36 points); Farmers&Merchants Bank (#16216) non-residential real estate 2.3% of equity; Farmers&Merchants Bank (#16216) rate-exposure score 40/100, Farmers&Merchants Bank (#16216) fixed-rate trap 40/100; Farmers&Merchants Bank (#16216) risk type credit driven; Farmers&Merchants Bank (#16216) rate regime rates elevated, Farmers&Merchants Bank (#16216) snapshot October 20, 2026.
Farmers&Merchants Bank (#16216) stress score moved from 64 on June 22, 2026 to 64.9 on October 20, 2026; Farmers&Merchants Bank (#16216) ranged 64 to 64.9 over 117 snapshots.
Farmers&Merchants Bank (#16216) alerts: 9 counties; top Farmers&Merchants Bank (#16216) alert scores: Bentonville County, AR 21 (low); Hazen County, AR 21 (low); Jonesboro County, AR 21 (low); Morrilton County, AR 21 (low); Mountain Home County, AR 21 (low).