The Mer Rouge State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Mer Rouge State Bank is an FDIC-insured commercial bank headquartered in Mer Rouge, LA, established in 1903 (FDIC certificate 314), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $51.8M, up 11.3% from Q2 2025, the 100th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.61% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 314
- Headquarters
- Mer Rouge, LA
- Established
- 1903
- Total assets, Q2 2026
- $51.8M
- Assets vs Q2 2025
- +11.3%
- Tier 1 leverage ratio, Q2 2026
- 12.61%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111102091
- Latest call report
- Q2 2026, FFIEC 051 · The Mer Rouge State Bank call report
- Asset rank in state
- 100th of 102 in Louisiana
The Mer Rouge State Bank leans heavily on commercial real estate. Based in Mer Rouge, Louisiana, it had $52 million in assets at June 30, 2026, up 11.3% from a year earlier. It holds commercial real estate loans worth 1.4 times its capital, 5.2 times the median of 26% for the 583 banks with less than $100 million in assets. It also grew its loan book 35.5% over the year, 13.9 times the median of 2.6% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.55% of loans from 1.42%. Loans are outrunning deposits: over the year loans rose 35.5% and deposits rose 8.9%.
As of June 30, 2026, The Mer Rouge State Bank reported a return on assets of 1.25%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 3.14%. The figures come from its call report filed with the FFIEC.
The Mer Rouge State Bank ranks as the 100th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.5% to $51.8M, loans rose 14.8% and deposits rose 2.3%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 31.2% of total loans, ahead of construction and land development loans at 13.6%. Its one office in the FDIC Summary of Deposits is in Mer Rouge, LA. Judged on its Q2 2026 call report, The Mer Rouge State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 102 Davenport Ave, Mer Rouge, LA 71261
- County
- Morehouse
- Metro Area
- Monroe, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $45.0M
- Allowance for credit losses
- $323K
- Net charge-offs (YTD)
- $0
- Average total assets
- $51.5M
- Average total loans
- $31.2M
- Average interest-bearing deposits
- $29.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 314
- Fed RSSD
- 741956
- Website
- www.merrougebank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Mer Rouge State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Mer Rouge State Bank's total assets ran between $46.5M (Q2 2025) and $53.0M (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$51.8M total assets against $46.5M; $46.2M total liabilities against $41.5M.
$33.9M net loans and leases against $24.9M; $45.0M total deposits against $41.3M.
$10.2M securities against $13.6M; $6.4M cash and balances due against $6.4M.
$753K total interest income against $672K; $146K total interest expense against $153K.
$607K net interest income against $519K.
$28K total noninterest income against $27K; $450K total noninterest expense against $444K.
$0 provision for credit losses against $30K.
$161K net income against $45K.
1.25% return on assets against 0.39%; 4.94% net interest margin against 4.45%.
12.61% tier 1 leverage ratio against 13.43%.
Inside the full The Mer Rouge State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Mer Rouge State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.30% (Q3 2024) to 1.62% (Q4 2024) and its net interest margin ran from 4.18% (Q4 2024) to 4.94% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.61% | 1.25% | 0.55% | 3.14% | 4.94% |
| Q1 2026 | 12.57% | 1.02% | 0.00% | 0.00% | 4.84% |
| Q4 2025 | 13.01% | 0.88% | 0.00% | 0.00% | 4.50% |
| Q3 2025 | 13.76% | 0.51% | 2.92% | 14.51% | 4.49% |
| Q2 2025 | 13.43% | 0.39% | 1.42% | 6.64% | 4.45% |
| Q1 2025 | 12.03% | 0.73% | 0.06% | 3.39% | 4.71% |
| Q4 2024 | 12.28% | 1.62% | 0.07% | 3.65% | 4.18% |
| Q3 2024 | 13.86% | 0.30% | 0.06% | 3.46% | 4.32% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Mer Rouge State Bank | Mer Rouge , LA | 71261 | $45.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in LA, rank 114 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 The Mer Rouge State Bank
What are The Mer Rouge State Bank's total assets?
As of the Q2 2026 filing, The Mer Rouge State Bank reported total assets of $51.8 million in its FFIEC call report.
Where is The Mer Rouge State Bank headquartered?
It is headquartered in Mer Rouge, LA, United States.
When was The Mer Rouge State Bank founded?
It was established in 1903, per the FDIC institution directory.
Is The Mer Rouge State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Mer Rouge State Bank?
The Mer Rouge State Bank's primary federal regulator is the FDIC.
How many branches does The Mer Rouge State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Mer Rouge State Bank's Texas Ratio?
Its Texas Ratio is 3.14% 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.
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