Mer Rouge State Bank, The
Mer Rouge, LA · Cert 314 · Peer group: banks under $1B in assets (n=570-617)
State charter, non-member · FDIC · 1 branch
Q2 2026
$51.8MAssets
$34.2MLoans
$45.0MDeposits
$5.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 160 of 570).
- Widest gap: total risk-based capital ratio trails 65% of banks under $1B in assets (rank 400 of 617).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.12%
Rank 269 of 617
Net Interest Margin
4.60%
Rank 55 of 617
Efficiency Ratio
72.45%
Rank 380 of 617
Equity / Assets
10.87%
Rank 287 of 617
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 39% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.60% | 1.01% | 1.45% | Beats 56% | 269 / 617 | |
| Return on Equity | 10.30% | 5.30% | 9.43% | 13.30% | Beats 55% | 277 / 617 | |
| Net Interest Margin | 4.60% | 3.04% | 3.54% | 4.05% | Beats 91% | 55 / 617 | |
| Efficiency Ratio | 72.45% | 58.03% | 67.76% | 79.08% | Beats 39% | 380 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.09% | 0.47% | 1.27% | Beats 46% | 308 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 12.61% | 11.18% | 13.83% | 18.55% | Beats 40% | 373 / 617 | |
| Total Risk-Based Capital Ratio | 12.61% | 11.56% | 14.39% | 19.39% | Beats 35% | 400 / 617 | |
| Equity / Assets | 10.87% | 9.03% | 10.55% | 13.63% | Beats 53% | 287 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 76.00% | 64.77% | 79.70% | 93.06% | 43rd pctl | 330 / 582 | |
| Loans / Assets | 65.99% | 51.70% | 67.18% | 77.51% | 48th pctl | 322 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |