Institution Statistics
| Merchants & Farmers Bank & Trust Company | | FDIC Certificate # | 9319 | | BankRate Report | View | | Year Established | 1928 | | Employees | 75 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $280.12 million | | Loans | $126.43 million | | Deposits | $223.96 million | | Equity Capital | $37.81 million | | Loan Loss Allowance | $1.13 million | | Unbacked Noncurrent Loans | $1.08 million | | Real Estate Owned | $487,000 |
Historic Data - March 2011 | | Assets | $261.95 million | | Equity Capital | $33.61 million | | Loan Loss Allowance | $980,000 | | Unbacked Noncurrent Loans | $712,000 | | Real Estate Owned | $729,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.59% | | Return on Assets | 0.69% | | Return on Equity | 5.1% | | Interest Income | $2.70 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Merchants & Farmers Bank & Trust Company had $1.56 million in non-current loans and owned real-estate with $38.94 million in equity and loan loss allowances on hand to cover it. This gives Merchants & Farmers Bank & Trust Company a Texas Ratio of 4.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Merchants & Farmers Bank & Trust Company held steady from 4.17% as of March 31, 2011 to 4.01% as of March 31, 2012, resulting in a positive change of 3.72%.This indicates that the balance sheet and financial strength for Merchants & Farmers Bank & Trust Company has held steady in recent periods. | | Deposit Growth | | | In the past year, Merchants & Farmers Bank & Trust Company has increased its total deposits by $12.7 million, resulting in 6.01% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Merchants & Farmers Bank & Trust Company has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Merchants & Farmers Bank & Trust Company has $280.12 million in assets with $38.94 million in equity, resulting in a capitalization level of 13.90%, which is excellent. |
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