Call reports 2026
MERCHANTS AND FARMERS BANK — 2026
What MERCHANTS AND FARMERS BANK 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 | 283,272,000 | 297,564,000 |
| Total loans | 224,076,000 | 233,911,000 |
| Allowance for loan losses | 2,823,000 | 2,978,000 |
| Securities available for sale | 20,224,000 | 19,735,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 252,396,000 | 255,864,000 |
| Interest-bearing deposits | 203,518,000 | 217,493,000 |
| Noninterest-bearing deposits | 48,878,000 | 38,371,000 |
| Equity capital | 28,514,000 | 29,339,000 |
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 | 4,371,000 | 9,000,000 |
| Interest expense | 1,424,000 | 2,841,000 |
| Net interest income | 2,947,000 | 6,159,000 |
| Noninterest income | 323,000 | 660,000 |
| Noninterest expense | 2,196,000 | 4,454,000 |
| Provision for loan losses | -159,000 | 86,000 |
| Pretax income | 1,039,000 | 2,250,000 |
| Income tax | 230,000 | 514,000 |
| Net income | 809,000 | 1,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 29,099,000 | 30,026,000 |
| Total capital | 32,050,000 | 33,072,000 |
| Risk-weighted assets | 235,737,000 | 243,478,000 |