M C Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
M C Bank & Trust Company is an FDIC-insured commercial bank headquartered in Morgan City, LA, established in 1955 (FDIC certificate 17388), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $710.0M, up 50.3% from Q2 2025, the 25th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 42.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17388
- Headquarters
- Morgan City, LA
- Established
- 1955
- Total assets, Q2 2026
- $710.0M
- Assets vs Q2 2025
- +50.3%
- Tier 1 leverage ratio, Q2 2026
- 42.96%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 065400483
- Latest call report
- Q2 2026, FFIEC 051 · M C Bank & Trust Company call report
- Holding company
- MC BANCSHARES, INC.
- Asset rank in state
- 25th of 102 in Louisiana
Problem loans are rising at M C Bank & Trust Company. Based in Morgan City, Louisiana, it had $710 million in assets at June 30, 2026, up 50.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.29% of loans from 0.36% a year earlier. It is losing 22.0% a year on shareholders' equity, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it funds 42.96% of its assets with Tier 1 capital, 3.9 times the median of 10.99% for banks its size.
It lost $8.2 million in the quarter. Over the same year, loans grew 10.2% and deposits grew 25.7%. Credit is the area to watch: it carries problem assets equal to 9.6% of the capital and reserves that would absorb them, 3.6 times the median of 2.6% for banks its size.
As of June 30, 2026, M C Bank & Trust Company reported a return on assets of -7.08%, a nonperforming-loan ratio of 5.84% and a Texas ratio of 9.58%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, M C Bank & Trust Company is the 25th largest of the 102 banks headquartered in Louisiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 44.9% to $710.0M, loans rose 8.9% and deposits rose 21.9%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 31.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 28.9%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities in LA; its Morgan City 2 offices book 65% of its branch deposits. By the capital ratios in its Q2 2026 call report, M C Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1204 Greenwood St, Morgan City, LA 70380
- County
- St. Mary
- Metro Area
- Morgan City, LA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 20, 1955
- Former names
- Morgan City Bank & Trust Company (1977-1991)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 152
- Domestic deposits
- $480.6M
- Allowance for credit losses
- $8.7M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $462.2M
- Average total loans
- $223.3M
- Average interest-bearing deposits
- $197.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 20, 1955
- FDIC Cert
- 17388
- Fed RSSD
- 1003839
- Website
- www.mcbt.com →
- Parent Holding Company
- MC BANCSHARES, INC. (RSSD 6122137)
- Ultimate Parent
- DMMS MANAGEMENT LLC (RSSD 6122146)
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, M C Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
M C Bank & Trust Company's total assets moved between a low of $401.8M (Q3 2023) and a high of $710.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$710.0M total assets against $472.4M; $493.1M total liabilities against $394.1M.
$341.8M net loans and leases against $313.1M; $480.6M total deposits against $382.3M.
$34.6M securities against $36.9M; $263.7M cash and balances due against $86.7M.
-$950K total interest income against $6.7M; -$448K total interest expense against $1.9M.
-$502K net interest income against $4.7M.
-$91K total noninterest income against $464K; $10.1M total noninterest expense against $4.0M.
-$57K provision for credit losses against $0.
-$8.2M net income against $979K.
-7.08% return on assets against 0.86%.
42.96% tier 1 leverage ratio against 18.00%.
Inside the full M C Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
M C Bank & Trust Company rankings
Its closest position to the top of a national ranking is 679 of 3,640, for Texas Ratio; its furthest is 3,610 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -7.08% (Q2 2026) to 1.01% (Q3 2025) and its net interest margin ran from 4.01% (Q1 2025) to 4.37% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 42.96% | -7.08% | 5.84% | 9.58% | — |
| Q1 2026 | 17.34% | 0.84% | 2.96% | 9.01% | 4.02% |
| Q4 2025 | 17.27% | 0.79% | 1.45% | 3.12% | 4.25% |
| Q3 2025 | 17.40% | 1.01% | 1.27% | 2.73% | 4.01% |
| Q2 2025 | 18.00% | 0.86% | 0.36% | 1.72% | 4.37% |
| Q1 2025 | 18.33% | 0.98% | 0.64% | 2.93% | 4.01% |
| Q4 2024 | 17.57% | 0.30% | 0.55% | 2.75% | 4.09% |
| Q3 2024 | 17.99% | 0.80% | 0.71% | 3.42% | 4.02% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| M C Bank & Trust Company (main office) | Morgan City , LA | 70380 | $283.4M |
| Lakeview Branch | New Orleans , LA | 70124 | $51.4M |
| Amelia Branch | Amelia , LA | 70340 | $35.9M |
| M C Bank Bayou Vista Branch | Morgan City , LA | 70380 | $27.3M |
| Covington Branch | Covington , LA | 70433 | $22.3M |
| Lafayette Branch | Lafayette , LA | 70508 | $17.9M |
| Metairie Causeway Branch | Metairie , LA | 70002 | $15.3M |
| Houma Branch | Houma , LA | 70360 | $13.4M |
| Youngsville Office | Youngsville , LA | 70592 | $10.2M |
| Pan Am Branch | New Orleans , LA | 70130 | $3.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1997 | Structure Change | Acquired Guaranty Bank & Trust Company of Morgan City Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 42 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 103 applications, 58 loans originated, $16.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $322K approved, $322K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about M C Bank & Trust Company
What are M C Bank & Trust Company's total assets?
As of the Q2 2026 filing, M C Bank & Trust Company reported total assets of $710.0 million in its FFIEC call report.
Where is M C Bank & Trust Company headquartered?
It is headquartered in Morgan City, LA, United States.
When was M C Bank & Trust Company founded?
It was established in 1955, per the FDIC institution directory.
Is M C Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17388). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates M C Bank & Trust Company?
M C Bank & Trust Company's primary federal regulator is the Federal Reserve.
How many branches does M C Bank & Trust Company operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is M C Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 9.58% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was M C Bank & Trust Company previously called?
The charter now named M C Bank & Trust Company has also operated as Morgan City Bank & Trust Company (1977-1991), per FDIC structure-change records.
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