BlastPoint's Banking Scorecard
Merchants & Farmers Bank & Trust Company
Community
Specialty: Commercial
LA
FDIC cert 9319
Leesville, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Merchants & Farmers Bank & Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 27.62% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 40% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$533.4M
+7.4% YoY
+5.0% QoQ
|
-$858.1M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$266.1M
+5.5% YoY
+3.6% QoQ
|
-$709.4M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$479.9M
+6.0% YoY
+5.2% QoQ
|
-$684.7M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.74%
+62.1% YoY
-1.6% QoQ
|
-0.42% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.62%
+8.4% YoY
+0.8% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
74.06%
-12.0% YoY
-1.1% QoQ
|
+11.43% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.83%
+72.5% YoY
+20.8% QoQ
|
+0.20% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
55.44%
-0.5% YoY
-1.5% QoQ
|
-27.62% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.04%
-8.2% YoY
-1.2% QoQ
|
+8.00% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.42%
+25.3% YoY
+17.2% QoQ
|
-0.08% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.42%
-6.1% YoY
+26.3% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 6%
in Community
Why this stands out
Current:
55.44%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Credit Risk Growth
risk
#259 of 642 · Bottom 40% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Loan-to-Deposit Ratio
Current: 55.44% · Tier avg: 83.06%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.04% · Tier avg: 21.05%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
19
19th pctile
Efficiency Ratio
Current: 74.06% · Tier avg: 62.63%
10
10th pctile
Total Deposits
Current: $479.9M · Tier avg: $1.2B
5
5th pctile
Total Assets
Current: $533.4M · Tier avg: $1.4B
3
3th pctile
Total Loans
Current: $266.1M · Tier avg: $975.5M
Top Weaknesses
3
3th pctile
Total Loans
Current: $266.1M · Tier avg: $975.5M
5
5th pctile
Total Assets
Current: $533.4M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $479.9M · Tier avg: $1.2B
19
19th pctile
Efficiency Ratio
Current: 74.06% · Tier avg: 62.63%
22
22th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.04% · Tier avg: 21.05%
94
94th pctile
Loan-to-Deposit Ratio
Current: 55.44% · Tier avg: 83.06%