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This institution is no longer active

Operations ceased on January 1, 2006. CRA examination history below reflects the period it was active.

MERCHANTS & FARMERS BANK

MILLPORT, AL · Supervised by FDIC

Est. 1948FDIC #16,743RSSD: FDIC-16743
Part ofWEST ALABAMA BANCSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: September 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.66%

Institution Profile

FDIC BankFind

Address

30330 Hwy 17, MILLPORT, AL

County

Lamar County

Established

November 3, 1948

Total Assets

$69M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2005

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 20 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2005Call Report / FDIC

Total Assets

$69M

Total Deposits

$56M

Net Loans

$44M

Net Income

$458K

ROA

0.66%

ROE

5.14%

Risk-Based Capital

19.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate20.45%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413268.18%20.45%
202314580.69%10.34%
202222280.18%13.06%
202119376.68%12.95%
202015469.48%18.18%
201919575.9%14.36%
201826678.95%11.65%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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