This institution is no longer active

Operations ceased on July 6, 1998. CRA examination history below reflects the period it was active.

FARMERS & MERCHANTS BANK

DES ARC, AR · Supervised by FDIC

Est. 1901FDIC #17,423RSSD: FDIC-17423

Part ofUNION PLANTERS CORP→ View all charters

Outstanding Up

Current rating · Exam: July 1996

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -2.62%

Institution Profile

FDIC BankFind

Address

Third And Erwin Streets, DES ARC, AR

County

Prairie County

Established

December 28, 1901

Total Assets

$45M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 1996

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 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 Q2 1998Call Report / FDIC

Total Assets

$45M

Total Deposits

$38M

Net Loans

$31M

Net Income

$-611K

ROA

-2.62%

Below avg for Small banks. Peer avg: 0.44%

ROE

-17.30%

Risk-Based Capital

20.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA-2.62%Peer avg: 0.44%▼ Below avg

Risk-Based Capital20.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 1996	Outstanding	Small Bank
May 1994	Satisfactory	Not Reported
Nov 1990	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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