B
Merchants & Farmers Bank & Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
11.28
Return On
Assets
0.72%
Total
Assets
533.39M
Capital
50.99M
Total
Deposits
479.88M
Net
Income
3.85M
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Weiss Ratings Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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Rating B
Asset Quality Index 7.70
Capitalization Index 10.00
Liquidity Index 3.60
Profitability Index 3.80
Stability Index 6.10
Company Info Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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FDIC Number 9319
Phone Number (337) 239-6504
Website www.merchantsandfarmers.com
Asset Quality Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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1-Year Asset Growth 7.42%
5-Year Asset Growth 4.45%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.56%
Non-Performing Loans to Capital 4.16%
Non-Performing Loans to Loans 1.10%
Balance Sheet Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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Total Assets 533.39M
Total Deposits 479.88M
Capital and Reserves Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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Capital 50.99M
Leverage Ratio 11.28
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio --
Liquidity Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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Hot Money Ratio 15.50%
Liquidity Ratio 21.75%
Profitability Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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5-Year Return on Average Assets 0.60%
Net Income 3.85M
Net Interest Spread 3.50%
Operating Profit to Average Assets 0.86%
Overhead Efficiency Ratio 74.65%
Return on Assets 0.72%
Return on Equity 8.39%