$52.4M
+7.8%y/y
Percentile by value37th percentileby value
FDIC
ASSETM&
The Merchants & Planters Bank
Clarendon, ArkansasFDIC Cert #107
STATEEstablished 18901 branch
Holding company: CLARENDON HOLDING CORegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Merchants & Planters Bank reported $52.4M in total assets. Deposits grew 7.20% over the prior year.
Return on assets was 0.55%, compared with an asset-peer median of 0.97%. The leverage ratio was 10.45%.
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$48.5M
+7.2%y/y
Percentile by value46th percentileby value
FDIC
DEP$17.7M
−4.1%y/y
Percentile by value29th percentileby value
FDIC
LNLSNET0.55%
−18 bpsy/y
Peer standing31st percentile
FDIC
NETINC + ROA78.00%
−114 bpsy/y
Peer standing39th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.45%
−108 bpsy/y
Peer standing24th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $43.1M | $37.5M |
| Q3 2021 | $43.6M | $37.9M |
| Q4 2021 | $46.3M | $40.8M |
| Q1 2022 | $44.5M | $40.3M |
| Q2 2022 | $42.7M | $39.4M |
| Q3 2022 | $43.9M | $41.1M |
| Q4 2022 | $46.3M | $43.9M |
| Q1 2023 | $44.5M | $41.8M |
| Q2 2023 | $47.4M | $44.7M |
| Q3 2023 | $45.6M | $43.5M |
| Q4 2023 | $49.7M | $46.7M |
| Q1 2024 | $47.6M | $44.8M |
| Q2 2024 | $47.8M | $44.8M |
| Q3 2024 | $49.4M | $45.7M |
| Q4 2024 | $52.5M | $49.5M |
| Q1 2025 | $48.6M | $45.3M |
| Q2 2025 | $50.1M | $46.5M |
| Q3 2025 | $50.5M | $46.4M |
| Q4 2025 | $55.2M | $51.1M |
| Q1 2026 | $52.4M | $48.5M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $7.21M |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $39K |
| C&I | $5.45M |
| Agriculture | $4.36M |
| Other | $785K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.55%31st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE7.76%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY3.29%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR78.00%39th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP+7.20%73rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET−4.05%20th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.12%62nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ10.45%24th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.70%69th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.55%6th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.69%Median 1.24%90th 2.04%Observations 78
ROE
FDIC
NETINC + ROE7.76%14th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.19%Median 11.80%90th 19.41%Observations 78
NIM
FDIC
NIM + NIMY3.29%8th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 4.05%90th 4.87%Observations 78
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR78.00%9th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.82%Median 59.70%90th 77.70%Observations 78
Deposits YoY
FDIC
DEP+7.20%68th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.85%Median +5.44%90th +15.40%Observations 78
Loans YoY
FDIC
LNLSNET−4.05%9th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.76%Median +6.31%90th +17.60%Observations 78
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.12%83rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.67%90th 2.39%Observations 78
Leverage
FDIC
RBC1AAJ10.45%39th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.09%Median 10.90%90th 15.93%Observations 78
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.70%96th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 2.70%90th 3.34%Observations 78
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 72%Median 238%90th 298%Observations 36
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.55%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.58%Median 0.84%90th 1.78%Observations 5
ROE
FDIC
NETINC + ROE7.76%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.51%Median 7.76%90th 14.80%Observations 5
NIM
FDIC
NIM + NIMY3.29%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.66%Median 4.35%90th 4.96%Observations 5
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR78.00%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.19%Median 70.92%90th 76.56%Observations 5
Deposits YoY
FDIC
DEP+7.20%75th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.70%Median +5.44%90th +22.62%Observations 5
Loans YoY
FDIC
LNLSNET−4.05%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.25%Median +9.54%90th +28.50%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.12%25th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.04%90th 1.18%Observations 5
Leverage
FDIC
RBC1AAJ10.45%25th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.30%Median 11.74%90th 15.18%Observations 5
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.70%75th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.57%Median 2.18%90th 3.54%Observations 5
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Clarendon, AR
FDIC
OFFDOMOpen the Arkansas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data