Merchants & Farmers Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Merchants & Farmers Bank & Trust Company of Leesville, LA against its peer group of 2603 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 | 0.90% | 1.35% | -0.45% | 28th below |
| ROAE | 9.56% | 13.33% | -3.77% | 33rd below |
| Net Interest Margin | 3.63% | 3.93% | -0.30% | 33rd below |
| Efficiency Ratio | 65.98% | 61.13% | +4.85% | 37th below |
| PPNR / Avg Assets | 1.23% | 1.68% | -0.45% | 30th below |
| Yield on Earning Assets | 4.61% | 5.67% | -1.06% | 11th bottom |
| Cost of Funds | 1.08% | 1.88% | -0.80% | 88th top |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.98% | 0.94% | +0.04% | 29th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.70% | -0.19% | 38th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| ACL / NPLs (Coverage) | 109.31% | 1546.94% | -1437.63% | 30th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.72% | 7.34% | -1.62% | 37th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 391.94% | 1395.67% | -1003.73% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.17% | 12.14% | -0.97% | 53rd above |
| Equity / Assets | 9.83% | 11.37% | -1.54% | 42nd below |
| TCE / Tangible Assets | 8.57% | 11.08% | -2.51% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.70% | 80.67% | -24.97% | 87th top |
| Core Deposit Ratio | 92.46% | 86.85% | +5.61% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.15% | 6.84% | -3.69% | 41st below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.24% | 7.92% | -0.68% | 61st above |
| Deposit Growth (Y/Y) | 1.63% | 6.29% | -4.66% | 33rd below |
See Merchants & Farmers Bank & Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Merchants & Farmers 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 Merchants & Farmers Bank & Trust Company profile, how to read a UBPR, or how this data updates.