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Merchants & Farmers Bank & Trust Company

Leesville, LA · Cert 9319 · Merchants&Farmers Bancshares

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Merchants & Farmers Bank & Trust Company

Leesville, LA · Cert 9319 · Merchants&Farmers Bancshares

State charter, non-member · FDIC · 9 branches

Q2 2026

$541.4MAssets
$270.7MLoans
$486.0MDeposits
$53.2MEquity
Loan mix
89%RE $237.6M10%C&I $26.1M1%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $342.0M30%Noninterest $144.0MQ2 2025Q2 2026

NIM

3.88%Q2 ’244.12%Q2 ’254.24%Q2 ’26+9%+6%

Non-interest income vs. expense

2.89%Q2 ’242.69%Q2 ’252.59%Q2 ’26-6%-5%

Market Position · Lake Charles, LA · 2026 SOD (annual) · 1.7% share · #11 of 20 inst. · $0.1B of $6.1B

83.8% Vernon
2.0% Calcasieu

Executive Summary

  • Earnings: ROA of 0.92%, up 15 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.70% of loans (+2 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.17%, up 25 bps from a year ago.
  • Funding: loans stand at 55.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+18 bps YoY

Efficiency Ratio (YTD, annualized)

68.54%-625 bps YoY

Tier 1 Leverage Ratio

11.17%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.76%0.72%0.91%0.92%+15 bps
Return on Equity9.11%8.69%8.12%9.52%9.51%+40 bps
Net Interest Margin3.19%3.23%3.28%3.34%3.36%+18 bps
Efficiency Ratio74.79%74.92%73.82%70.01%68.54%-625 bps
Non-Interest Burden2.26%2.30%2.30%2.19%2.16%-11 bps
Growth
Asset Growth (YoY)10.29%-1.37%7.41%2.73%3.15%-714 bps
Loan Growth (YoY)-0.39%2.86%5.42%6.11%7.24%+763 bps
Deposit Growth (YoY)12.30%-2.23%6.04%1.59%1.63%-1,068 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.68%0.82%0.77%0.70%+2 bps
Net Charge-Offs / Loans0.08%0.13%0.11%0.07%0.05%-4 bps
Allowance / Loans1.03%0.96%1.01%1.01%1.07%+4 bps
Allowance Coverage of NPLs1.5x1.4x1.2x1.3x1.5x0.0x
Capital
Tier 1 Leverage Ratio10.92%11.11%11.26%11.08%11.17%+25 bps
Total Risk-Based Capital10.92%11.11%11.26%11.08%11.17%+25 bps
Equity / Assets8.39%9.64%9.62%9.56%9.83%+144 bps
Liquidity & Funding
Loans / Deposits52.78%56.83%56.01%55.85%55.70%+291 bps
Liquid Assets / Assets13.71%8.94%10.10%12.56%12.76%-96 bps
CRE / Total Capitaln/a194.89%207%201%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Merchants & Farmers Bank & Trust Company

Leesville, LA · Cert 9319 · Peer group: banks under $1B in assets (n=581-629) · Merchants&Farmers Bancshares

State charter, non-member · FDIC · 9 branches

Q2 2026

$541.4MAssets
$270.7MLoans
$486.0MDeposits
$53.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 49% of banks under $1B in assets (rank 318 of 629).
  • Widest gap: total risk-based capital ratio trails 79% of banks under $1B in assets (rank 500 of 629).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.91%

Rank 365 of 629

Net Interest Margin

3.36%

Rank 370 of 629

Efficiency Ratio

69.08%

Rank 335 of 629

Equity / Assets

9.83%

Rank 393 of 629

Non-interest income vs. expense

$2.4M$14.4MINCOMEEXPENSE
Unfavorable gap of $12.0M · efficiency ratio beats 47% of banks under $1B in assets
Bank 69.08%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.60%1.01%1.45%Beats 42%365 / 629
Return on Equity9.28%5.38%9.30%13.28%Beats 49%318 / 629
Net Interest Margin3.36%3.03%3.54%4.05%Beats 41%370 / 629
Efficiency Ratio69.08%58.35%67.79%79.08%Beats 47%335 / 629
Asset Quality
Nonperforming Loans / Loans0.70%0.09%0.46%1.20%Beats 39%355 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 34%382 / 581
Capital
Tier 1 Capital Ratio11.17%11.24%13.84%18.77%Beats 24%475 / 629
Total Risk-Based Capital Ratio11.17%11.58%14.43%19.66%Beats 21%500 / 629
Equity / Assets9.83%9.09%10.65%13.80%Beats 38%393 / 629
Liquidity & Funding
Loans / Deposits55.70%67.24%80.90%93.48%14th pctl509 / 594
Loans / Assets49.99%53.31%67.71%78.15%21st pctl496 / 629
Brokered Deposits / Depositsn/aNot reported for this institution