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Merchants & Planters Bank

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Merchants & Planters Bank Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Merchants & Planters Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 5, 2026

You can compare Merchants & Planters Bank rates to other rates in our database, including 12-month CD rates currently at 2.83%, 6-month CD rates at 3.65% and 3-month CD rates at 2.00%. Savings rates are at 0.05% and money market rates are at 1.56%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates can be compared to Merchants & Planters Bank rates. MonitorBankRates evaluates the financial stability of Merchants & Planters Bank with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 20.03%. Rates were last updated on 05/05/2026.

Merchants & Planters Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Merchants & Planters Bank? Share your experience about Merchants & Planters Bank by leaving a review below, or read customer reviews before you decide to use Merchants & Planters Bank.

Overall Health & Safety Grade

B+

Good Health Score: 90/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

20.03%

Good Higher than avg

Merchants & Planters Bank

120 Hazel St
Newport, AR 72112

https://www.mandp.bank

Current Rate Availability

We do not have Merchants & Planters Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Merchants & Planters Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Merchants & Planters Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Merchants & Planters Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Merchants & Planters Bank

Bank Holding Company M&P CMTY BANCSHARES 401 K EMPLOYEE STK OWNERSHIP PLAN

Address 120 Hazel St, Newport, AR 72112 · Jackson

Website https://www.mandp.bank

FDIC Certificate # 16464

Established 08/06/1946

FDIC Insurance Date 08/06/1946

Domestic Offices 12

Total Branches 12

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 90/100

5.0

Exceptional Out of 5.0 Stars

20.03%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1301%

Return on Equity (ROE) 13.5500%

Non-Performing Loans (NPL) 1.43%

Total Assets $359,360,000

Total Deposits $321,505,000

Equity Capital $32,572,000

Net Income $3,018,000

Headquarters Newport

Total Offices 12

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

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Frequently Asked Questions About Merchants & Planters Bank

Is Merchants & Planters Bank a safe place to deposit money?

Yes, Merchants & Planters Bank is considered a safe financial institution. With a Texas Ratio of 20.031197686806%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Merchants & Planters Bank operate?

Merchants & Planters Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Merchants & Planters Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Merchants & Planters Bank provides members with tools to manage their accounts and build a solid financial history.

Does Merchants & Planters Bank offer online and mobile banking?

Most modern institutions like Merchants & Planters Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mandp.bank.