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Merchants & Farmers Bank & Trust Company
Leesville, LA · FDIC Certificate #9319 · Chartered 01/0
Total assets
$541.45M
Total deposits
$485.99M
Total equity
$53.24M
Net loans
$267.79M
Branches (offices)
9
Net income (YTD)
$2.47M
Rank: #1,691 of 4,213 U.S. banks by assets · #38 of 103 in Louisiana. Assets changed 3.2% and deposits 1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.92% |
| Return on equity | 9.51% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 9.83% |
| Tier 1 leverage ratio | 11.17% |
| Uninsured deposits (share of deposits) | 36.0% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 55.1% |
| Real estate loans (share of loans) | 89.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $238.42M | 89.0% | |
| Commercial & industrial | $26.06M | 9.7% | |
| Consumer / individual | $3.71M | 1.4% | |
| Construction & development | $28.39M | 10.6% | |
| Agricultural | $1.88M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $461.97M | $406.27M | $1.52M | $36.60M |
| Jun 2023 | $467.79M | $408.92M | $1.59M | $37.37M |
| Jun 2024 | $475.92M | $425.82M | $980.00K | $40.39M |
| Jun 2025 | $524.90M | $478.21M | $1.97M | $44.03M |
| Jun 2026 | $541.45M | $485.99M | $2.47M | $53.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $485.99M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $485.99M.
Similar-sized banks
First State Bank & Trust ($542.57M) · Connection Bank ($540.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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