Total Assets
$467M
Total balance-sheet footings
FDIC Cert #9327 · Breaux Bridge, Louisiana · Est. 1932
Farmers-Merchants Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Farmers-Merchants Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $467M
- Total assets
- A
- Health grade · Excellent
- 1.90%
- Return on assets
- 14.0%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers-Merchants Bank & Trust Company earns a PlainBankData health grade of A (92/100), with well-capitalized at 13.99% Tier 1, profitable at 1.90% ROA, efficient (59% cost ratio).
- #1,890
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 13.99%
- Tier 1 ratio - above the 10% well-capitalized line
- 89th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Farmers-Merchants Bank & Trust Company's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers-Merchants Bank & Trust Company's composite health score
Tier 1 Capital Ratio (13.99%) 35/40
Return on Assets (ROA) (1.90%) 25/25
Texas Ratio (2.47%) 20/20
Efficiency Ratio (59.34%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$342M
Customer-funded liabilities
Net Loans
$245M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers-Merchants Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers-Merchants Bank & Trust Company's score of 92/100 falls in the highlighted band.
Farmers-Merchants Bank & Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers-Merchants Bank & Trust Company's $467M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.99%
Texas Ratio
2.47%
Equity Capital
$61M
Profitability metrics
Return on Assets (ROA)
89th percentile nationally
1.90%
Return on Equity (ROE)
15.27%
Efficiency Ratio
59.34%
What the numbers say about Farmers-Merchants Bank & Trust Company
Farmers-Merchants Bank & Trust Company is an FDIC-insured institution (Certificate #9327) headquartered in Breaux Bridge, Louisiana, established in 1932. It holds $467M in total assets - 1,890th of 4,313 FDIC-insured banks, $342M in customer deposits, and $245M in net loans. On safety, its Tier 1 capital ratio of 13.99% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.47% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Louisiana, Farmers-Merchants Bank & Trust Company ranks 44th of 106 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$24M
Interest Income
$3M
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers-Merchants Bank & Trust Company reports a Texas Ratio of 2.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers-Merchants Bank & Trust Company (FDIC Cert #9327) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Origin BankChoudrant | $9.6B | B | 0.76% |
| b1BANKBaton Rouge | $8.2B | A | 1.23% |
| First Guaranty BankHammond | $4.1B | C | -1.33% |
| Gulf Coast Bank and Trust CompanyNew Orleans | $3.6B | B | 1.15% |
| Home Bank, National AssociationLafayette | $3.5B | A | 1.41% |
| Red River BankAlexandria | $3.3B | A | 1.36% |
| Investar Bank, National AssociationBaton Rouge | $2.8B | B | 0.89% |
| Bonvenu Bank, National AssociationBossier City | $1.6B | B | 0.54% |
Frequently asked questions
What is Farmers-Merchants Bank & Trust Company's health grade?▼
Farmers-Merchants Bank & Trust Company receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Farmers-Merchants Bank & Trust Company?▼
Farmers-Merchants Bank & Trust Company holds $467M in total assets and $342M in deposits, ranking 1,890th of 4,313 FDIC-insured banks by asset size. It is headquartered in Breaux Bridge, Louisiana.
Is my money safe at Farmers-Merchants Bank & Trust Company?▼
Yes, deposits at Farmers-Merchants Bank & Trust Company (Certificate #9327) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers-Merchants Bank & Trust Company's Tier 1 Capital Ratio?▼
Farmers-Merchants Bank & Trust Company has a Tier 1 Capital Ratio of 13.99%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Farmers-Merchants Bank & Trust Company?▼
Farmers-Merchants Bank & Trust Company has a Texas Ratio of 2.47%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers-Merchants Bank & Trust Company?▼
Farmers-Merchants Bank & Trust Company has an Efficiency Ratio of 59.34%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers-Merchants Bank & Trust Company's profile as a depositor or analyst.
- Farmers-Merchants Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers-Merchants Bank & Trust Company against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.