Merchants & Farmers Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Merchants & Farmers Bank & Trust Company is an FDIC-insured commercial bank headquartered in Leesville, LA, established in 1928 (FDIC certificate 9319), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $541.4M, up 3.2% from Q2 2025, the 38th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.17% 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
- 9319
- Headquarters
- Leesville, LA
- Established
- 1928
- Total assets, Q2 2026
- $541.4M
- Assets vs Q2 2025
- +3.2%
- Tier 1 leverage ratio, Q2 2026
- 11.17%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 065204249
- Latest call report
- Q2 2026, FFIEC 051 · Merchants & Farmers Bank & Trust Company Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- MERCHANTS & FARMERS BANCSHARES, INC.
- Asset rank in state
- 38th of 102 in Louisiana
Merchants & Farmers Bank & Trust Company, based in Leesville, Louisiana, reported $541 million in assets at June 30, 2026, up 3.2% from a year earlier. It pays an average of 1.08% on its deposits and borrowings, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $20 million equal 33% of Tier 1 capital, down from 47% a year earlier. Delinquency has appeared in its $46 million non-owner-occupied commercial real estate book: 1.94% of those loans are past due or on nonaccrual, against almost none a year earlier. One more trend to watch: loans are outrunning deposits: over the year loans rose 7.2% and deposits rose 1.6%.
As of June 30, 2026, Merchants & Farmers Bank & Trust Company reported a return on assets of 0.90%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 4.17%. The figures come from its call report filed with the FFIEC.
Merchants & Farmers Bank & Trust Company ranks as the 38th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $541.4M, loans rose 0.3% and deposits rose 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 16.9%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in LA; its Leesville 3 offices book 69% of its branch deposits. On its Q2 2026 call report, Merchants & Farmers Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 501 S 5th St, Leesville, LA 71446
- County
- Vernon
- 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 6, Atlanta
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1928
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $486.0M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $62K
- Average total assets
- $557.3M
- Average total loans
- $269.6M
- Average interest-bearing deposits
- $335.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9319
- Fed RSSD
- 136338
- Website
- www.merchantsandfarmers.com →
- Parent Holding Company
- MERCHANTS & FARMERS BANCSHARES, INC. (RSSD 1084203)
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, Merchants & Farmers Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Merchants & Farmers Bank & Trust Company's total assets moved between a low of $460.4M (Q1 2024) and a high of $541.4M (Q2 2026) from Q3 2023 to Q2 2026, 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
$541.4M total assets against $524.9M; $488.2M total liabilities against $480.9M.
$267.8M net loans and leases against $249.8M; $486.0M total deposits against $478.2M.
$165.6M securities against $160.8M; $82.2M cash and balances due against $86.5M.
$6.0M total interest income against $5.6M; $1.3M total interest expense against $1.4M.
$4.7M net interest income against $4.3M.
$602K total noninterest income against $602K; $3.6M total noninterest expense against $3.5M.
$152K provision for credit losses against $15K.
$1.2M net income against $1.1M.
0.90% return on assets against 0.82%; 3.63% net interest margin against 3.44%.
11.17% tier 1 leverage ratio against 10.92%.
Inside the full Merchants & Farmers Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMerchants & Farmers Bank & Trust Company rankings
Its closest position to the top of a national ranking is 1,684 of 4,196, for total assets; its furthest is 2,722 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.49% (Q4 2024) to 0.90% (Q2 2026) and its net interest margin ran from 3.25% (Q3 2024) to 3.63% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.17% | 0.90% | 0.70% | 4.17% | 3.63% |
| Q1 2026 | 11.08% | 0.88% | 0.77% | 4.85% | 3.55% |
| Q4 2025 | 11.26% | 0.62% | 0.82% | 4.77% | 3.63% |
| Q3 2025 | 11.11% | 0.70% | 0.68% | 4.10% | 3.53% |
| Q2 2025 | 10.92% | 0.82% | 0.68% | 4.89% | 3.44% |
| Q1 2025 | 10.88% | 0.66% | 0.68% | 4.39% | 3.41% |
| Q4 2024 | 11.19% | 0.49% | 0.47% | 4.50% | 3.42% |
| Q3 2024 | 11.17% | 0.49% | 0.46% | 4.12% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Merchants & Farmers Bank & Trust Company (main office) | Leesville , LA | 71446 | $272.9M |
| Lake Charles Branch | Lake Charles , LA | 70605 | $70.6M |
| Uptown Branch | Leesville , LA | 71446 | $51.3M |
| Vinton Branch | Vinton , LA | 70668 | $24.0M |
| Anacoco Branch | Anacoco , LA | 71403 | $23.9M |
| Leesville Banking Center Branch | Leesville , LA | 71446 | $13.4M |
| New Llano Branch | Newllano , LA | 71461 | $13.0M |
| Sulphur Branch | Sulphur , LA | 70663 | $8.8M |
| Rosepine Branch | Rosepine , LA | 70659 | $8.1M |
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 |
|---|---|---|---|
| July 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2015 | Structure Change | Acquired The Vernon Bank 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
- 0.4% of deposits in LA, rank 41 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 144 applications, 109 loans originated, $16.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 Merchants & Farmers Bank & Trust Company
What are Merchants & Farmers Bank & Trust Company's total assets?
As of the Q2 2026 filing, Merchants & Farmers Bank & Trust Company reported total assets of $541.4 million in its FFIEC call report.
Where is Merchants & Farmers Bank & Trust Company headquartered?
It is headquartered in Leesville, LA, United States.
When was Merchants & Farmers Bank & Trust Company founded?
It was established in 1928, per the FDIC institution directory.
Is Merchants & Farmers Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Merchants & Farmers Bank & Trust Company?
Merchants & Farmers Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Merchants & Farmers Bank & Trust Company operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Merchants & Farmers Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 4.17% 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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