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Merchants and Farmers Bank Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: May 16, 2026

You can compare Merchants and Farmers Bank rates to other rates in our database, including 12-month CD rates currently at 3.00%, 6-month CD rates at 2.02% and 3-month CD rates at 3.60%. Savings rates are at 0.25% and money market rates are at 1.50%. Mortgage rates on 30-year fixed loans are around 6.04%. All these rates can be compared to Merchants and Farmers Bank rates. MonitorBankRates evaluates the financial stability of Merchants and Farmers Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.36%. Rates were last updated on 05/16/2026.

Merchants and Farmers Bank 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 Merchants and Farmers Bank? Share your experience about Merchants and Farmers Bank by leaving a review below, or read customer reviews before you decide to use Merchants and Farmers Bank.

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.36%
Excellent Lower than avg
Merchants and Farmers Bank
500 Highway 65 S
Dumas, AR 71639
https://www.mfbanknet.com
Member FDIC

Current Rate Availability

We do not have Merchants and Farmers Bank 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 Merchants and Farmers Bank 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 Merchants and Farmers Bank 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 Merchants and Farmers Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Merchants and Farmers Bank
Bank Holding Company M&F FINANCIAL CORP
Address 500 Highway 65 S, Dumas, AR 71639  ·  Desha
Website https://www.mfbanknet.com
FDIC Certificate # 8735
Established 05/10/1909
FDIC Insurance Date 01/01/1934
Domestic Offices 3
Total Branches 3
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
4.36%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.1791%
Return on Equity (ROE) 11.4200%
Non-Performing Loans (NPL) 0.40%
Total Assets $270,755,000
Total Deposits $231,189,000
Equity Capital $27,749,000
Net Income $3,974,000
Headquarters Dumas
Total Offices 3
Source: FDIC  |  Last Updated 12/31/2025
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Customer Reviews

There are no reviews for Merchants and Farmers Bank yet. Feel free to create one below.
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Frequently Asked Questions About Merchants and Farmers Bank

How many branches does Merchants and Farmers Bank operate?

Merchants and Farmers Bank currently maintains approximately 3 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, Merchants and Farmers Bank 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, Merchants and Farmers Bank provides members with tools to manage their accounts and build a solid financial history.

Does Merchants and Farmers Bank offer online and mobile banking?

Most modern institutions like Merchants and Farmers Bank 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.mfbanknet.com.

Compare to Other Banks

Bedford Federal Savings Bank Byline Bank Commercial Bank of Texas, N.A. Yakima Federal S&L The Bank of Milan First State Bank Abilene, TX Campus State Bank Bath State Bank Citi Farmers & Merchants Bank of Colby Bank of Stronghurst Macon B&T Co. The Peoples Bank Brownstown, IN Brilliant Bank Samson Banking Company Poppy Bank Citizens State Bank Woodville, TX Durden Banking Company, Inc. Legacy Bank Grundy, VA TrustCo Bank GTE Financial Credit Union