M&F FINANCIAL CORP is the parent banking group. MERCHANTS AND FARMERS 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

M&F FINANCIAL CORP

Legal name: M & F FINANCIAL CORPORATION

1 active bank · $283M combined assets

RSSD ID: 1099506 (FFIEC NIC)

Combined Assets

$283M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 89% resulted in Outstanding or Satisfactory.

Primary bankMERCHANTS AND FARMERS BANKDUMAS, ARSatisfactory$283MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$283M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$252M

Net Income

$809K

ROA (avg)

1.17%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

Origination Rate

92%

Denial Rate

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
MERCHANTS AND FARMERS BANK	DUMAS, AR	FDIC	$283M	100.0%	Satisfactory	Mar 2019

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