Merchants&Planters Bank (FDIC #16464): Bank Stress & Real-Estate Credit Exposure

Merchants&Planters Bank (FDIC Cert #16464): bank stress 76/100, severe, STABLE over 7 days; parent M&P CMTY BANCSHARES 401 K EMPLOYEE STK OWNERSHIP PLAN.

Merchants&Planters Bank (#16464) lends in 5 counties across 1 state; Merchants&Planters Bank (#16464) reaches 64 ZIP codes: Arkansas 5 counties, 64 ZIPs.

Merchants&Planters Bank (#16464) largest markets: Independence County, AR (80 branches, 20 ZIPs) (#16464), White County, AR (19 branches, 19 ZIPs) (#16464), Jackson County, AR (48 branches, 12 ZIPs) (#16464), Prairie County, AR (12 branches, 12 ZIPs) (#16464), Woodruff County, AR (10 branches, 10 ZIPs) (#16464).

Merchants&Planters Bank (#16464) reports $379.4 million in total assets; Merchants&Planters Bank (#16464) equity $33.5 million (8.8% of Merchants&Planters Bank (#16464) assets); Merchants&Planters Bank (#16464) domestic deposits $340.9 million; Merchants&Planters Bank (#16464) net income $1.7 million; Merchants&Planters Bank (#16464) return on assets 0.95%; Merchants&Planters Bank (#16464) return on equity 10.41%; Merchants&Planters Bank (#16464) net interest income $6.5 million; Merchants&Planters Bank (#16464) call report June 30, 2026.

Merchants&Planters Bank (#16464) noncurrent real-estate loans: none reported; Merchants&Planters Bank (#16464) net charge-offs on real estate 0.65%; Merchants&Planters Bank (#16464) residential charge-offs 0.86%.

Merchants&Planters Bank (#16464) net interest margin 3.98% against an eight-quarter Merchants&Planters Bank (#16464) average of 4.03% (Merchants&Planters Bank (#16464) compression 0.05 points); Merchants&Planters Bank (#16464) non-residential real estate 86.2% of equity; Merchants&Planters Bank (#16464) rate-exposure score 40/100, Merchants&Planters Bank (#16464) fixed-rate trap 40/100; Merchants&Planters Bank (#16464) risk type credit driven; Merchants&Planters Bank (#16464) rate regime rates elevated, Merchants&Planters Bank (#16464) snapshot October 19, 2026.

Merchants&Planters Bank (#16464) stress score moved from 75 on June 22, 2026 to 75.7 on October 20, 2026; Merchants&Planters Bank (#16464) ranged 75 to 75.7 over 117 snapshots.

Merchants&Planters Bank (#16464) alerts: 5 counties; top Merchants&Planters Bank (#16464) alert scores: Searcy County, AR 32 (low); Des Arc County, AR 24 (low); Mccrory County, AR 24 (low); Newark County, AR 24 (low); Tuckerman County, AR 24 (low).