This institution is no longer active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

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.66%

Is this bank safe?

MERCHANTS & FARMERS BANK holds a Satisfactory CRA rating (2005), meets basic financial requirements (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%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.14%

Risk-Based Capital

19.73%

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).

ROA0.66%Peer avg: 0.44%▲ Above avg

Risk-Based Capital19.73%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate20.45%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	132	68.18%	20.45%
2020	154	69.48%	18.18%
2019	195	75.9%	14.36%
2018	266	78.95%	11.65%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2005	Satisfactory	Small Bank
Oct 1999	Outstanding	Small Bank
Oct 1996	Outstanding	Small Bank

2 previous ratings locked — 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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