Merchants and Farmers Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $283M | $252M | $221M | $29M | $809K | 1.17% | 11.50% | 4.63% | 3.42% |
| Q4 2025 | $271M | $231M | $218M | $28M | $917K | 1.48% | 14.42% | 5.20% | 1.50% |
| Q3 2025 | $281M | $239M | $224M | $29M | $952K | 1.53% | 14.82% | 5.11% | 0.71% |
| Q2 2025 | $272M | $232M | $216M | $28M | $1M | 1.60% | 15.64% | 5.15% | 0.43% |
| Q1 2025 | $261M | $222M | $205M | $27M | $1M | 1.58% | 15.41% | 5.10% | 1.27% |
| Q4 2024 | $254M | $217M | $206M | $26M | $1M | 1.36% | 13.05% | 4.90% | 0.47% |
| Q3 2024 | $257M | $217M | $205M | $27M | $812K | 1.26% | 11.97% | 4.77% | 0.13% |
| Q2 2024 | $249M | $211M | $196M | $26M | $869K | 1.24% | 11.85% | 4.70% | 0.13% |
| Q1 2024 | $236M | $200M | $191M | $25M | $627K | 1.06% | 10.07% | 4.61% | 0.30% |
| Q4 2023 | $236M | $201M | $188M | $25M | $745K | 1.20% | 11.60% | 4.70% | 0.31% |
| Q3 2023 | $247M | $211M | $197M | $25M | $694K | 1.18% | 11.42% | 4.61% | 0.55% |
| Q2 2023 | $230M | $195M | $186M | $24M | $766K | 1.20% | 11.50% | 4.62% | 0.64% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.