M C BANK & TRUST COMPANY

MORGAN CITY, LA | Small | Est. Jan. 20, 1955, midnight | FDIC #17388 | RSSD #1003839 | FDIC
Latest Report: 2025-12-31

M C BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in MORGAN CITY, LA, established in Jan. 20, 1955, midnight. As of 2025-12-31, the bank reported total assets of $478M and total deposits of $383M. Profitability stands at 0.79% ROA and 4.73% ROE, with a net interest margin of 4.41%. The bank's CET1 capital ratio is 16.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.45% and a Texas Ratio of 5.33%. FDIC Certificate #17388.

Assets

$478M

Deposits

$383M

Loans

$313M

Equity

$81M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 4.73%
Net Interest Margin (NIM) 4.41%
Yield on Assets 6.25%
Cost of Funds 2.10%

Asset Quality

NPL Ratio 1.45%
Net Charge-Off Ratio 0.01%
Texas Ratio 5.33%
NPA Ratio 0.95%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 16.41%
Tier 1 Capital 16.41%
Total Capital Ratio 17.23%
Leverage Ratio 17.27%
Loan-to-Deposit 81.89%

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