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Farmers & Merchants Bank AR

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Farmers & Merchants Bank AR Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers & Merchants Bank AR provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 20, 2026

You can compare Farmers & Merchants Bank AR rates to other rates in our database, including 12-month CD rates currently at 1.61%, 6-month CD rates at 3.58% and 3-month CD rates at 0.20%. Savings rates are at 0.15% and money market rates are at 0.60%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates can be compared to Farmers & Merchants Bank AR rates. MonitorBankRates evaluates the financial stability of Farmers & Merchants Bank AR with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.85%. Rates were last updated on 03/20/2026.

Farmers & Merchants Bank AR money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Farmers & Merchants Bank AR? Share your experience about Farmers & Merchants Bank AR by leaving a review below, or read customer reviews before you decide to use Farmers & Merchants Bank AR.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.85%

Excellent Lower than avg

Farmers & Merchants Bank AR

708 S Main St
Stuttgart, AR 72160

https://www.mebanking.com

Current Rate Availability

We do not have Farmers & Merchants Bank AR rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Farmers & Merchants Bank AR is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Farmers & Merchants Bank AR rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Farmers & Merchants Bank AR's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Farmers & Merchants Bank AR

Bank Holding Company FARMERS&MERCHANTS BANKSHARES

Address 708 S Main St, Stuttgart, AR 72160 · Arkansas

Website https://www.mebanking.com

FDIC Certificate # 16216

Established 01/02/1945

FDIC Insurance Date 01/02/1945

Domestic Offices 21

Total Branches 21

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.85%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7482%

Return on Equity (ROE) 7.2600%

Non-Performing Loans (NPL) 0.15%

Total Assets $1,953,484,000

Total Deposits $1,618,196,000

Equity Capital $218,073,000

Net Income $19,262,000

Headquarters Stuttgart

Total Offices 21

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Farmers & Merchants Bank AR

Is Farmers & Merchants Bank AR a safe place to deposit money?

Yes, Farmers & Merchants Bank AR is considered a safe financial institution. With a Texas Ratio of 1.8481276005548%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Farmers & Merchants Bank AR operate?

Farmers & Merchants Bank AR currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Farmers & Merchants Bank AR does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers & Merchants Bank AR provides members with tools to manage their accounts and build a solid financial history.

Does Farmers & Merchants Bank AR offer online and mobile banking?

Most modern institutions like Farmers & Merchants Bank AR provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mebanking.com.