Farmers-Merchants Bank & Trust Company
Breaux Bridge, LA·RSSD 653134·FDIC 9327·bank:653134·CBLR opted in
- #46 of 106Total assets in Louisiana
- 6offices
- 79employees
Performance over time
22 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Farmers-Merchants Bank & Trust Company
3 of 24 FORFI signals stand out against 1448 similar banks, based on FDIC data for the quarter.
C&I lending shrinking while the peer median growsNotable: Lending-26.6%peers +2.0%-28.6 pp
Farmers-Merchants Bank & Trust Company's commercial and industrial loans declined 26.6% over the past year to $10.0 million. The median among 1414 similar banks was +2.0%.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| -26.6% | +2.0% | -28.6 pp |
| Commercial and industrial loans | ||
| $10.0 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1448 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Farmers-Merchants Bank & Trust Company itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency67.4%peers 62.6%+4.8 pp
Farmers-Merchants Bank & Trust Company's efficiency ratio rose 9.6 percentage points over the past year to 67.4%. Among 1443 similar banks, the median fell 3.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 67.4% | 62.6% | +4.8 pp |
| 12-month change | ||
| +9.6 pp | -3.1 pp | +12.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1448 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Farmers-Merchants Bank & Trust Company itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings1.55%peers 1.24%+31 bps
Farmers-Merchants Bank & Trust Company's annualized return on assets fell 38 bps over the past year to 1.55%. Among 1444 similar banks, the median rose 18 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 1.55% | 1.24% | +31 bps |
| 12-month change | ||
| -38 bps | +18 bps | -56 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1448 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Farmers-Merchants Bank & Trust Company itself is left out of every peer median and percentile. How signals work
Key facts
- Farmers-Merchants Bank & Trust Company is a bank headquartered in Breaux Bridge, Louisiana. It reported $448 million in total assets for the quarter ended March 31, 2026.
- Deposits totaled $330 million, down 1.2% from a year earlier, and loans totaled $246 million, down 4.0%.
- Its net interest margin was 4.42% and its annualized return on assets was 1.55% for the quarter.
- Its cost of all deposits was 1.14%, compared with a median of 1.81% among 1443 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Farmers-Merchants Bank & Trust Company's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Farmers-Merchants Bank & Trust Company · Bank
- Federal Reserve RSSD
- 653134
- FDIC certificate
- 9327
- Reporting period
- Peer group
- 1448 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Farmers-Merchants Bank & Trust Company itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.75M | — | |
| $5.95M | — | |
| $1.27M | — | |
| $4.68M | — | |
| $716K | — | |
| $3.64M | — | |
| $10K | — | |
| $10K | — | |
| 1.55% | 1.53%ROAQ · Quarter | |
| 4.42% | 4.36%NIMYQ · Quarter | |
| 67.42% | 67.42%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-24T23:15:30.441988+00:00. Separate reference provenance is included in the export.