Merchants & Farmers Bank & Trust Company: how it compares with its peers
Against 44 LA banks with half to twice its assets, Merchants & Farmers Bank & Trust Company's strongest measure in Q2 2026 is assets per employee ($6.9M vs. a $6.0M peer median). Its weakest relative measure is return on assets (0.92% vs. 1.44%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.92% | 1.44% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.73% | 4.38% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.54% | 64.06% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.0M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.10% | 81.31% | Context |
What it means for lending operations
Its efficiency ratio of 68.54% is above the 64.06% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Rayne State Bank & Trust Company Rayne, LA · $541M
- Fifth District Savings Bank New Orleans, LA · $532M
- Gulf Coast Bank Abbeville, LA · $514M
- Gibsland Bank & Trust Company Gibsland, LA · $574M
- Cottonport Bank Cottonport, LA · $582M
- Citizens Bank & Trust Company Plaquemine, LA · $481M
Questions about Merchants & Farmers Bank & Trust Company
How big is Merchants & Farmers Bank & Trust Company?
Merchants & Farmers Bank & Trust Company, established in 1928, is headquartered in Leesville, LA. It reported $541M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Merchants & Farmers Bank & Trust Company's return on assets?
0.92% annualized in Q2 2026, against a 1.44% median for 44 LA banks with half to twice its assets, ahead of 20% of them.
What is Merchants & Farmers Bank & Trust Company's efficiency ratio?
68.54% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 64.06%, and lower is better.
Is Merchants & Farmers Bank & Trust Company growing its loans?
Net loans grew 7.2% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.