Leesville, LA · Cert 9319 · Merchants&Farmers Bancshares
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Lake Charles, LA · 2026 SOD (annual) · 1.7% share · #11 of 20 inst. · $0.1B of $6.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.49% | 0.68% | 0.84% | 0.73% | 0.63% | 0.91% | 0.93% | +9 bps | |
| Return on Equity | 5.82% | 5.74% | 8.11% | 9.96% | 8.10% | 6.57% | 9.52% | 9.56% | -40 bps | |
| Net Interest Margin | 3.02% | 3.18% | 3.18% | 3.22% | 3.31% | 3.41% | 3.34% | 3.41% | +19 bps | |
| Efficiency Ratio | 81.31% | 83.53% | 78.45% | 71.26% | 75.18% | 70.65% | 70.01% | 67.10% | -416 bps | |
| Non-Interest Burden | 2.34% | 2.55% | 2.37% | 2.18% | 2.37% | 2.27% | 2.19% | 2.14% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.89% | 5.30% | 13.41% | 10.29% | -1.37% | 7.41% | 2.73% | 3.15% | -714 bps | |
| Loan Growth (YoY) | -2.60% | -0.27% | -0.25% | -0.39% | 2.86% | 5.42% | 6.11% | 7.24% | +763 bps | |
| Deposit Growth (YoY) | 14.85% | 10.75% | 15.40% | 12.30% | -2.23% | 6.04% | 1.59% | 1.63% | -1,068 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.47% | 0.68% | 0.68% | 0.68% | 0.82% | 0.77% | 0.70% | +2 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.05% | 0.12% | 0.23% | 0.04% | 0.07% | 0.03% | -9 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.04% | 1.03% | 0.96% | 1.01% | 1.01% | 1.07% | +4 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.4x | 1.5x | 1.5x | 1.4x | 1.2x | 1.3x | 1.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.17% | 11.19% | 10.88% | 10.92% | 11.11% | 11.26% | 11.08% | 11.17% | +25 bps | |
| Total Risk-Based Capital | 11.17% | 11.19% | 10.88% | 10.92% | 11.11% | 11.26% | 11.08% | 11.17% | +25 bps | |
| Equity / Assets | 8.76% | 8.34% | 8.49% | 8.39% | 9.64% | 9.62% | 9.56% | 9.83% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.02% | 56.34% | 53.47% | 52.78% | 56.83% | 56.01% | 55.85% | 55.70% | +291 bps | |
| Liquid Assets / Assets | 8.85% | 10.20% | 15.49% | 13.71% | 8.94% | 10.10% | 12.56% | 12.76% | -96 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 194.89% | 207% | 201% | n/a | n/a | |