MERCHANTS & FARMERS BANK & TRUST COMPANY
MERCHANTS & FARMERS BANK & TRUST COMPANY is an FDIC-insured commercial bank headquartered in LEESVILLE, LA, established in 1928. As of , the bank reported total assets of $533M and total deposits of $480M. Profitability stands at 0.63% ROA and 6.57% ROE, with a net interest margin of 3.50%. CET1 capital ratio: 8.32%. NPL ratio: 1.10% · Texas Ratio: 5.51%. Operates 9 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Merchants & Farmers Bank & Trust Company rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 8.32% | 0.63% | 1.10% | 5.51% | 3.50% |
| 2025-09-30 | 8.28% | 0.73% | 0.97% | 4.99% | 3.40% |
| 2025-06-30 | 7.04% | 0.84% | 0.98% | 5.75% | 3.30% |
| 2025-03-31 | 7.13% | 0.68% | 0.98% | 5.33% | 3.31% |
| 2024-12-31 | 6.90% | 0.49% | 0.78% | 5.49% | 3.29% |
| 2024-09-30 | 7.38% | 0.50% | 0.78% | 5.10% | 3.12% |
| 2024-06-30 | 6.98% | 0.49% | 0.74% | 5.47% | 3.14% |
| 2024-03-31 | 7.06% | 0.35% | 0.72% | 5.45% | 3.04% |
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Frequently asked about MERCHANTS & FARMERS BANK & TRUST COMPANY
What are Merchants & Farmers Bank & Trust Company's total assets?
As of the Q4 2025 filing, Merchants & Farmers Bank & Trust Company reported total assets of $533.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Merchants & Farmers Bank & Trust Company headquartered?
Merchants & Farmers Bank & Trust Company is headquartered in LEESVILLE, LA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Merchants & Farmers Bank & Trust Company founded?
Merchants & Farmers Bank & Trust Company was established in 1928, per the FDIC institution directory.
Is Merchants & Farmers Bank & Trust Company FDIC-insured?
Yes. Merchants & Farmers Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #9319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Merchants & Farmers Bank & Trust Company?
Merchants & Farmers Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Merchants & Farmers Bank & Trust Company's CET1 capital ratio?
Merchants & Farmers Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 8.32% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Merchants & Farmers Bank & Trust Company operate?
Merchants & Farmers Bank & Trust Company operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Merchants & Farmers Bank & Trust Company's Texas Ratio?
Merchants & Farmers Bank & Trust Company's Texas Ratio is 5.51% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.