Bank Comparison
Merchants & Farmers Bank & Trust Company vs Gulf Coast Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 15
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Merchants & Farmers Bank & Trust Company | Gulf Coast Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.08% | 15.51% |
| Equity / Assets | 9.56% | 13.05% |
Profitability
| Metric | Merchants & Farmers Bank & Trust Company | Gulf Coast Bank |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.19% |
| Return on Equity (ROE) | 9.52% | 9.42% |
| Net Interest Margin (NIM) | 3.55% | 4.77% |
| Yield on Earning Assets | 4.53% | 5.52% |
| Cost of Funds | 1.06% | 0.83% |
Asset quality
| Metric | Merchants & Farmers Bank & Trust Company | Gulf Coast Bank |
|---|---|---|
| Texas Ratio | 6.48% | 6.07% |
| Non-Performing Loan Ratio | 1.05% | 0.86% |
| Non-Performing Asset Ratio | 0.56% | 0.50% |
| Net Charge-Off Ratio | 0.07% | 0.16% |
| ACL / Loans | 1.01% | 1.20% |
Balance sheet
| Metric | Merchants & Farmers Bank & Trust Company | Gulf Coast Bank |
|---|---|---|
| Total Assets | $536,342K | $516,302K |
| Total Deposits | $483,094K | $444,300K |
| Total Loans | $269,802K | $295,200K |
| Total Equity | $51,301K | $67,374K |
| Net Income (quarter) | $1,221K | $1,580K |
Liquidity & funding
| Metric | Merchants & Farmers Bank & Trust Company | Gulf Coast Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 55.85% | 66.44% |
| Core Deposit Ratio | 93.09% | 94.80% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Merchants & Farmers Bank & Trust Company | Gulf Coast Bank |
|---|---|---|
| Headquarters City | LEESVILLE | ABBEVILLE |
| Headquarters State | LA | LA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 9 |
| Employees (FTE) | 74 | 120 |
| Established | Jan. 1, 1928, midnight | Feb. 1, 1971, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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