B
Merchants & Farmers Bank & Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
11.11
Return On
Assets
0.73%
Total
Assets
507.98M
Capital
48.99M
Total
Deposits
456.28M
Net
Income
2.91M
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Weiss Ratings Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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Rating B
Asset Quality Index 8.10
Capitalization Index 10.00
Liquidity Index 3.50
Profitability Index 3.60
Stability Index 6.60
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 -1.37%
5-Year Asset Growth 4.33%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.13%
Non-Performing Assets to Assets 0.51%
Non-Performing Loans to Capital 2.87%
Non-Performing Loans to Loans 0.97%
Balance Sheet Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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Total Assets 507.98M
Total Deposits 456.28M
Capital and Reserves Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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Capital 48.99M
Leverage Ratio 11.11
Loan Loss Reserves to Loans 0.96%
Risk-Based Capital Ratio --
Liquidity Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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Hot Money Ratio 15.44%
Liquidity Ratio 22.42%
Profitability Merchants & Farmers Bank & Trust Company
Leesville, LA 		Click to
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5-Year Return on Average Assets 0.60%
Net Income 2.91M
Net Interest Spread 3.46%
Operating Profit to Average Assets 0.86%
Overhead Efficiency Ratio 75.51%
Return on Assets 0.73%
Return on Equity 8.72%