Merchants & Farmers Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 7.52 percentage points in Q2 2026, from 130.74% to 123.23%. It was the largest change from Q1 2026 among the key lines here. Merchants & Farmers Bank & Trust Company ranks 86th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 55.70% (Q2 2026). Merchants & Farmers Bank & Trust Company reported 55.70% on loan-to-deposit ratio for Q2 2026, 25.14 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $270.7M |
| Net loans and leases | $267.8M |
| Loans held for sale | $730K |
| Loans to total assets | 49.99% |
| Loan-to-deposit ratio | 55.70% |
| Net loans to equity capital | 5.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.88% |
| Multifamily (5+ residential) | 1.63% |
| Commercial and industrial | 9.63% |
| Consumer | 1.37% |
| Credit cards | 0.00% |
| Farm | 1.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 123.23% |
| Construction concentration (Tier 1 capital + allowance) | 44.12% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.45% |
| Interest income on loans | $4.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $258.8M | $406.4M | 33.52% | 8.32% | 1.33% |
| Q4 2023 | $255.6M | $408.6M | 33.50% | 8.73% | 1.29% |
| Q1 2024 | $254.9M | $412.1M | 33.66% | 8.90% | 1.38% |
| Q2 2024 | $253.4M | $425.8M | 33.13% | 8.98% | 1.33% |
| Q3 2024 | $252.1M | $466.7M | 33.78% | 8.14% | 1.32% |
| Q4 2024 | $254.9M | $452.6M | 34.72% | 7.42% | 1.37% |
| Q1 2025 | $254.3M | $475.5M | 33.95% | 7.51% | 1.36% |
| Q2 2025 | $252.4M | $478.2M | 32.19% | 7.84% | 1.42% |
| Q3 2025 | $259.3M | $456.3M | 30.24% | 9.23% | 1.45% |
| Q4 2025 | $268.8M | $479.9M | 30.71% | 9.46% | 1.42% |
| Q1 2026 | $269.8M | $483.1M | 32.06% | 9.67% | 1.45% |
| Q2 2026 | $270.7M | $486.0M | 31.88% | 9.63% | 1.37% |
Merchants & Farmers Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants & Farmers Bank & Trust Company, freeSource: Call Report Schedule RC-C, 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 Merchants & Farmers Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9319) · FFIEC NIC profile (RSSD 136338)