FARMERS&MERCHANTS BANKSHARES is the parent banking group. THE FARMERS & MERCHANTS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

FARMERS&MERCHANTS BANKSHARES

Legal name: FARMERS AND MERCHANTS BANKSHARES, INC.

1 active bank · 1 merged/absorbed · $2.0B combined assets

RSSD ID: 1099672 (FFIEC NIC)

Combined Assets

$2.0B

CRA Rating Summary

Outstanding1charter

Across all 6 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE FARMERS & MERCHANTS BANKSTUTTGART, AROutstanding$2.0BView profile →

At a Glance

Dominant CRA Rating

Outstanding

1 of 1 bank · Exceeds expectations for community lending

Combined Assets

$2.0B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$1.7B

Net Income

$5M

ROA (avg)

1.05%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

901

Origination Rate

76.91%

Denial Rate

10.77%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE FARMERS & MERCHANTS BANK	STUTTGART, AR	FDIC	$2.0B	100.0%	Outstanding	Jun 1994

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.