Farmers-Merchants Bank & Trust Company
Breaux Bridge, LA · Cert 9327 · Peer group: banks under $1B in assets (n=557-606)
State charter, non-member · 6 branches
Q1 2026
$448.2MAssets
$246.4MLoans
$330.0MDeposits
$53.4MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 331 of 568).
- Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets (rank 471 of 557).
- Overall: at or above the peer median on 6 of 10 directional measures.
Return on Assets
1.23%
Rank 220 of 604
Net Interest Margin
4.02%
Rank 162 of 604
Efficiency Ratio
67.42%
Rank 292 of 603
Equity / Assets
11.91%
Rank 207 of 604
Non-interest income vs. expense
Unfavorable gap of $11.7M · efficiency ratio beats 52% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.58% | 1.00% | 1.47% | Beats 64% | 220 / 604 | |
| Return on Equity | 10.29% | 5.38% | 9.60% | 13.62% | Beats 55% | 272 / 604 | |
| Net Interest Margin | 4.02% | 3.01% | 3.52% | 4.07% | Beats 73% | 162 / 604 | |
| Efficiency Ratio | 67.42% | 58.15% | 68.01% | 80.27% | Beats 52% | 292 / 603 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.12% | 0.08% | 0.39% | 1.12% | Beats 25% | 418 / 558 | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.02% | Beats 16% | 471 / 557 | |
| Capital |
| Tier 1 Capital Ratio | 12.41% | 11.15% | 13.69% | 18.60% | Beats 38% | 372 / 604 | |
| Total Risk-Based Capital Ratio | 12.41% | 11.56% | 14.21% | 19.70% | Beats 33% | 407 / 604 | |
| Equity / Assets | 11.91% | 8.81% | 10.34% | 13.22% | Beats 66% | 207 / 604 | |
| Liquidity & Funding |
| Loans / Deposits | 74.66% | 63.31% | 78.59% | 92.04% | 42nd pctl | 331 / 570 | |
| Loans / Assets | 54.97% | 50.80% | 66.73% | 77.27% | 30th pctl | 423 / 606 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.83% | Beats 100% | 331 / 568 | |