Call reports 2026
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2026
What MERCHANTS & FARMERS BANK & TRUST COMPANY reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 536,342,000 | 541,448,000 |
| Total loans | 269,802,000 | 270,676,000 |
| Allowance for loan losses | 2,715,000 | 2,888,000 |
| Securities available for sale | 163,812,000 | 165,550,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 483,094,000 | 485,992,000 |
| Interest-bearing deposits | 340,228,000 | 342,027,000 |
| Noninterest-bearing deposits | 142,866,000 | 143,965,000 |
| Equity capital | 51,301,000 | 53,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 5,829,000 | 11,808,000 |
| Interest expense | 1,277,000 | 2,566,000 |
| Net interest income | 4,552,000 | 9,242,000 |
| Noninterest income | 606,000 | 1,208,000 |
| Noninterest expense | 3,640,000 | 7,219,000 |
| Provision for loan losses | 52,000 | 243,000 |
| Pretax income | 1,472,000 | 3,033,000 |
| Income tax | 251,000 | 563,000 |
| Net income | 1,221,000 | 2,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 60,467,000 | 61,445,000 |
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