Merchants & Farmers Bank & Trust Company
Total assets
$541.4M
▲ +3.2% YoY
Deposits
$486.0M
▲ +1.6% YoY
Loans
$267.8M
▲ +7.2% YoY
Offices
9
MERCHANTS&FARMERS BANCSHARES
ROA (annualized)
0.92%
peers 1.28%
ROE (annualized)
9.51%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.9% | -1.8 pts |
| Deposit growth (YoY) | +1.6% | +4.3% | -2.7 pts |
| Loan growth (YoY) | +7.2% | +5.3% | +1.8 pts |
| ROA | 0.92% | 1.28% | -0.4 pts |
| ROE | 9.5% | 12.4% | -2.9 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
Profile
- Established
- 1928
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MERCHANTS&FARMERS BANCSHARES
- Specialization
- Commercial Lending Specialization
- Address
- 501 S 5th St, Leesville, LA, 71446
- County
- Vernon
- Metro area
- Fort Polk South, LA
- Offices
- 9
- FDIC cert #
- 9319
- RSSD ID
- 136338
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $541.4M | $486.0M | $267.8M | $53.2M | $2.5M | 0.92% | 3.73% | 0.37% |
| Q1 2026 | $536.3M | $483.1M | $267.1M | $51.3M | $1.2M | 0.91% | 3.70% | 0.42% |
| Q4 2025 | $533.3M | $479.9M | $266.1M | $51.3M | $3.7M | 0.72% | 3.62% | 0.42% |
| Q3 2025 | $508.0M | $456.3M | $256.8M | $49.0M | $2.9M | 0.76% | 3.59% | 0.35% |
| Q2 2025 | $524.9M | $478.2M | $249.8M | $44.0M | $2.0M | 0.77% | 3.53% | 0.36% |
| Q1 2025 | $522.1M | $475.5M | $251.6M | $44.3M | $869K | 0.68% | 3.51% | 0.33% |
| Q4 2024 | $496.5M | $452.6M | $252.1M | $41.4M | $2.2M | 0.46% | 3.34% | 0.33% |
| Q3 2024 | $515.0M | $466.7M | $249.2M | $45.1M | $1.6M | 0.44% | 3.27% | 0.32% |
Loan mix (Q2 2026): real estate $238.4M · commercial $26.1M · consumer $3.7M · securities $165.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.28% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 12.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.89% | 40th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 61.2% | 70th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Community Bank of LouisianaMansfield, LA · $852.9M
- Century Next BankRuston, LA · $916.4M
- Resource BankCovington, LA · $980.7M
- First National Banker's BankBaton Rouge, LA · $983.0M
- Minster BankMinster, OH · $811.6M
- CUSB BankCresco, IA · $812.1M
Selling to Merchants & Farmers Bank & Trust Company?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.