Merchants & Farmers Bank & Trust Company: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.54 percentage points higher than in Q1 2026, at 109.31%. Within Louisiana, Merchants & Farmers Bank & Trust Company is 71st of 103 on return on assets, 0.90% as of Q2 2026, below the middle of the field. Merchants & Farmers Bank & Trust Company reported 0.90% on return on assets for Q2 2026, 0.36 points below the 1.25% median for banks in the $100M-1B 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 | 11.17% |
| Equity capital to assets | 9.83% |
| Tangible equity to tangible assets | 8.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 5.72% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 109.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 9.56% |
| Net interest margin | 3.63% |
| Efficiency ratio | 65.98% |
| Yield on earning assets | 4.61% |
| Cost of funds | 1.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.70% |
| Core deposits to total deposits | 92.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.76% |
| Securities to assets | 30.58% |
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 | 11.18% | 0.48% | 3.21% | 1.04% | 0.02% |
| Q4 2023 | 11.19% | 0.29% | 3.12% | 0.80% | 0.02% |
| Q1 2024 | 11.37% | 0.33% | 3.11% | 0.72% | 0.03% |
| Q2 2024 | 11.53% | 0.47% | 3.20% | 0.74% | 0.03% |
| Q3 2024 | 11.17% | 0.49% | 3.25% | 0.78% | 0.03% |
| Q4 2024 | 11.19% | 0.49% | 3.42% | 0.78% | 0.02% |
| Q1 2025 | 10.88% | 0.66% | 3.41% | 0.98% | 0.05% |
| Q2 2025 | 10.92% | 0.82% | 3.44% | 0.98% | 0.12% |
| Q3 2025 | 11.11% | 0.70% | 3.53% | 0.97% | 0.23% |
| Q4 2025 | 11.26% | 0.62% | 3.63% | 1.10% | 0.04% |
| Q1 2026 | 11.08% | 0.88% | 3.55% | 1.05% | 0.07% |
| Q2 2026 | 11.17% | 0.90% | 3.63% | 0.98% | 0.03% |
Merchants & Farmers Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants & Farmers Bank & Trust Company, 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 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)