The Mer Rouge State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 8.27 percentage points in Q2 2026, from 67.73% to 76.00%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, The Mer Rouge State Bank is 50th of 103 on return on assets, 1.25% as of Q2 2026, above the middle of the field. The Mer Rouge State Bank reported 1.25% on return on assets for Q2 2026, 0.27 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.61% |
| Equity capital to assets | 10.87% |
| Tangible equity to tangible assets | 10.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.14% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 11.63% |
| Net interest margin | 4.94% |
| Efficiency ratio | 70.75% |
| Yield on earning assets | 6.13% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.00% |
| Core deposits to total deposits | 91.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.83% |
| Securities to assets | 19.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.63% | 0.77% | 4.64% | 0.11% | -0.02% |
| Q4 2023 | 10.99% | 2.87% | 4.23% | 0.11% | 0.02% |
| Q1 2024 | 11.79% | 0.80% | 4.61% | 0.09% | 0.00% |
| Q2 2024 | 12.84% | 0.98% | 4.23% | 0.08% | -0.10% |
| Q3 2024 | 13.86% | 0.30% | 4.32% | 0.06% | 0.00% |
| Q4 2024 | 12.28% | 1.62% | 4.18% | 0.07% | 0.00% |
| Q1 2025 | 12.03% | 0.73% | 4.71% | 0.06% | 0.02% |
| Q2 2025 | 13.43% | 0.39% | 4.45% | 0.00% | 0.00% |
| Q3 2025 | 13.76% | 0.51% | 4.49% | 0.00% | 0.00% |
| Q4 2025 | 13.01% | 0.88% | 4.50% | 0.00% | 0.00% |
| Q1 2026 | 12.57% | 1.02% | 4.84% | 0.00% | 0.00% |
| Q2 2026 | 12.61% | 1.25% | 4.94% | 0.00% | 0.00% |
The Mer Rouge State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Mer Rouge State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Mer Rouge State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 314) · FFIEC NIC profile (RSSD 741956)