Farmers-Merchants Bank & Trust Co.

Farmers-Merchants Bank & Trust Co. is headquartered in Breaux Bridge and is the 52^nd largest bank in the state of Louisiana. It is also the 2,525^th largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 87 employees at 8 locations. Farmers-Merchants Bank & Trust Co. has a 4-star health rating.

Farmers-Merchants Bank & Trust Co. Checking Account Rates

Data for Q1 2012

Institution Statistics Farmers-Merchants Bank & Trust Company FDIC Certificate # 9327 BankRate Report View Year Established 1932 Employees 87 Primary Regulator FDIC Assets and Liabilities Assets $256.40 million Loans $168.96 million Deposits $225.46 million Equity Capital $29.60 million Loan Loss Allowance $2.56 million Unbacked Noncurrent Loans $5.03 million Real Estate Owned $4.98 million Historic Data - March 2011 Assets $243.27 million Equity Capital $27.92 million Loan Loss Allowance $2.67 million Unbacked Noncurrent Loans $12.19 million Real Estate Owned $1.68 million Profit Margin - Quarterly Net Interest Margin 5.06% Return on Assets 1.68% Return on Equity 14.33% Interest Income $3.19 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Farmers-Merchants Bank & Trust Co. had $10.02 million in non-current loans and owned real-estate with $32.15 million in equity and loan loss allowances on hand to cover it. This gives Farmers-Merchants Bank & Trust Co. a Texas Ratio of 31.16% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers-Merchants Bank & Trust Co. decreased slightly from 45.34% as of March 31, 2011 to 31.16% as of March 31, 2012, resulting in a positive change of 31.28%.This indicates that the balance sheet and financial strength for Farmers-Merchants Bank & Trust Co. has improved slightly in recent periods. Deposit Growth In the past year, Farmers-Merchants Bank & Trust Co. has increased its total deposits by $11.68 million, resulting in 5.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Farmers-Merchants Bank & Trust Co. has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Farmers-Merchants Bank & Trust Co. has $256.4 million in assets with $32.15 million in equity, resulting in a capitalization level of 12.54%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.