Total Assets
$50M
Total balance-sheet footings
FDIC Cert #314 · Mer Rouge, Louisiana · Est. 1903
The Mer Rouge State Bank - FDIC Bank Health Profile
A community-scale look at The Mer Rouge State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $50M
- Total assets
- B
- Health grade · Good
- 0.61%
- Return on assets
- 13.0%
- Tier 1 capital
Data updated July 2026
The verdict
The Mer Rouge State Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.01% Tier 1, 0.61% ROA, 79% efficiency ratio.
- #4,133
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 13.01%
- Tier 1 ratio - above the 10% well-capitalized line
- 20th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Mer Rouge State Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Mer Rouge State Bank's composite health score
Tier 1 Capital Ratio (13.01%) 35/40
Return on Assets (ROA) (0.61%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (78.62%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$45M
Customer-funded liabilities
Net Loans
$25M
Outstanding loan book
Net Income
$301K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Mer Rouge State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Mer Rouge State Bank's score of 73/100 falls in the highlighted band.
The Mer Rouge State Bank'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). The Mer Rouge State Bank's $50M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.01%
Texas Ratio
0.00%
Equity Capital
$5M
Profitability metrics
Return on Assets (ROA)
20th percentile nationally
0.61%
Return on Equity (ROE)
5.95%
Efficiency Ratio
78.62%
What the numbers say about The Mer Rouge State Bank
The Mer Rouge State Bank is an FDIC-insured institution (Certificate #314) headquartered in Mer Rouge, Louisiana, established in 1903. It holds $50M in total assets - 4,133rd of 4,313 FDIC-insured banks, $45M in customer deposits, and $25M in net loans. Capital-wise, the Tier 1 ratio sits at 13.01%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Mer Rouge State Bank is a community-scale institution -- 105th of 106 FDIC-insured banks headquartered in Louisiana by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$3M
Interest Income
$125K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Mer Rouge State Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) The Mer Rouge State Bank (FDIC Cert #314) - 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 The Mer Rouge State Bank's health grade?▼
The Mer Rouge State Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Mer Rouge State Bank?▼
The Mer Rouge State Bank holds $50M in total assets and $45M in deposits, ranking 4,133rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Mer Rouge, Louisiana.
Is my money safe at The Mer Rouge State Bank?▼
Yes, deposits at The Mer Rouge State Bank (Certificate #314) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Mer Rouge State Bank's Tier 1 Capital Ratio?▼
The Mer Rouge State Bank has a Tier 1 Capital Ratio of 13.01%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Mer Rouge State Bank?▼
The Mer Rouge State Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Mer Rouge State Bank?▼
The Mer Rouge State Bank has an Efficiency Ratio of 78.62%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Mer Rouge State Bank's profile as a depositor or analyst.
- The Mer Rouge State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Mer Rouge State Bank 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.