M C Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks M C Bank & Trust Company of Morgan City, LA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -7.08% | 1.35% | -8.43% | 0th bottom |
| ROAE | -21.99% | 13.34% | -35.33% | 1st bottom |
| Net Interest Margin | 3.64% | 3.93% | -0.29% | 34th below |
| Efficiency Ratio | -1702.50% | 62.32% | -1764.82% | 100th top |
| Yield on Earning Assets | 4.89% | 5.67% | -0.78% | 19th bottom |
| Cost of Funds | -0.56% | 1.88% | -2.44% | 100th top |
| Net Interest Spread | 5.46% | 3.32% | +2.14% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.96% | 0.94% | +5.02% | 2nd bottom |
| NPA / Total Assets | 2.94% | 0.70% | +2.24% | 3rd bottom |
| NCO / Avg Loans | 1.12% | 0.16% | +0.96% | 3rd bottom |
| ACL / Total Loans | 2.48% | 1.28% | +1.20% | 96th top |
| ACL / NPLs (Coverage) | 41.68% | 1539.80% | -1498.12% | 7th bottom |
| Texas Ratio | 10.80% | 7.33% | +3.47% | 20th bottom |
| Provision / NCO | 2.81% | 1396.95% | -1394.14% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 42.96% | 12.12% | +30.84% | 99th top |
| Equity / Assets | 30.54% | 11.36% | +19.18% | 99th top |
| TCE / Tangible Assets | 27.26% | 11.08% | +16.18% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.94% | 80.64% | -7.70% | 66th above |
| Core Deposit Ratio | 90.06% | 86.86% | +3.20% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 50.31% | 6.82% | +43.49% | 99th top |
| Loan Growth (Y/Y) | 10.17% | 7.90% | +2.27% | 74th above |
| Deposit Growth (Y/Y) | 25.71% | 6.27% | +19.44% | 96th top |
See M C Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock M C Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full M C Bank & Trust Company profile, how to read a UBPR, or how this data updates.