M C Bank & Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 5.96% from 3.04% in the prior period. M C Bank & Trust Company is an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $710M in total assets and $481M in deposits. The bank reported a loss in the most recent quarter, with ROA at -7.08% and ROE at -21.99%. Under the simplified Community Bank Leverage Ratio framework, leverage of 42.96% exceeds the CBLR threshold. Credit metrics show stress, 5.96% NPLs and a 10.80% Texas Ratio above the 100% historical failure threshold. M C Bank & Trust Company operates a 15-branch network.
As of June 30, 2026, M C Bank & Trust Company reported a Tier 1 leverage ratio of 42.96%, a return on assets of -7.08%, a nonperforming-loan ratio of 5.96%, a Texas ratio of 10.80%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1204 Greenwood St, Morgan City, LA 70380
- County
- St. Mary
- Metro Area
- Morgan City, LA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 20, 1955
- Former names
- Morgan City Bank & Trust Company (1977-1991)
- Offices
- 15 domestic
- Employees (FTE)
- 152
- Domestic deposits
- $480.6M
- Allowance for credit losses
- $8.7M
- Net charge-offs (YTD)
- $1.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 20, 1955
- FDIC Cert
- 17388
- Fed RSSD
- 1003839
- Website
- www.mcbt.com →
- Parent Holding Company
- MC BANCSHARES, INC. (RSSD 6122137)
- Ultimate Parent
- DMMS MANAGEMENT LLC (RSSD 6122146)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full M C Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock M C Bank & Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
M C Bank & Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 42.96% | -7.08% | 5.96% | 10.80% | 3.64% |
| Q1 2026 | 17.34% | 0.84% | 3.04% | 11.65% | 4.02% |
| Q4 2025 | 17.27% | 0.79% | 1.55% | 5.77% | 4.25% |
| Q3 2025 | 17.40% | 1.01% | 1.40% | 5.52% | 4.01% |
| Q2 2025 | 18.00% | 0.86% | 0.48% | 2.17% | 4.37% |
| Q1 2025 | 18.33% | 0.98% | 0.64% | 2.93% | 4.01% |
| Q4 2024 | 17.57% | 0.30% | 0.70% | 3.37% | 4.09% |
| Q3 2024 | 17.99% | 0.80% | 0.81% | 3.84% | 4.02% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| M C Bank & Trust Company (main office) | Morgan City , LA | 70380 | $283.4M |
| Lakeview Branch | New Orleans , LA | 70124 | $51.4M |
| Amelia Branch | Amelia , LA | 70340 | $35.9M |
| M C Bank Bayou Vista Branch | Morgan City , LA | 70380 | $27.3M |
| Covington Branch | Covington , LA | 70433 | $22.3M |
| Lafayette Branch | Lafayette , LA | 70508 | $17.9M |
| Metairie Causeway Branch | Metairie , LA | 70002 | $15.3M |
| Houma Branch | Houma , LA | 70360 | $13.4M |
| Youngsville Office | Youngsville , LA | 70592 | $10.2M |
| Pan Am Branch | New Orleans , LA | 70130 | $3.5M |
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 |
|---|---|---|---|
| December 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1997 | Structure Change | Acquired Guaranty Bank & Trust Company of Morgan City 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
What the public regulatory sources show for M C Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in LA, rank 42 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 103 applications, 58 loans originated, $16.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about M C Bank & Trust Company
What are M C Bank & Trust Company's total assets?
As of the Q2 2026 filing, M C Bank & Trust Company reported total assets of $710.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is M C Bank & Trust Company headquartered?
M C Bank & Trust Company is headquartered in Morgan City, LA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was M C Bank & Trust Company founded?
M C Bank & Trust Company was established in 1955, per the FDIC institution directory.
Is M C Bank & Trust Company FDIC-insured?
Yes. M C Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #17388). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates M C Bank & Trust Company?
M C Bank & Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does M C Bank & Trust Company operate?
M C Bank & Trust Company operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is M C Bank & Trust Company's Texas Ratio?
M C Bank & Trust Company's Texas Ratio is 10.80% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was M C Bank & Trust Company previously called?
The charter now named M C Bank & Trust Company has also operated as Morgan City Bank & Trust Company (1977-1991), per FDIC structure-change records.
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