BlastPoint's Banking Scorecard

Merchants & Farmers Bank & Trust Company

$100M-$1B Specialty: Commercial LA FDIC cert 9319

Leesville, LA

9 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Merchants & Farmers Bank & Trust Company has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 22.4% in tier
- Credit Quality Pressure: Bottom 35.4% in tier
- Capital Thin: Bottom 46.7% in tier
- ROA 0.36% below tier average
- Net Interest Margin 0.23% below tier average
- Efficiency Ratio 4.72% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$536.3M +2.7% YoY +0.6% QoQ	+$150.3M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$267.1M +6.2% YoY +0.4% QoQ	+$11.4M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$483.1M +1.6% YoY +0.7% QoQ	+$155.1M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	0.91% +33.8% YoY +26.4% QoQ	-0.36%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	32%
Net Interest Margin ?	3.70% +5.4% YoY +2.3% QoQ	-0.23%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	41%
Efficiency Ratio ?	70.01% -10.8% YoY -5.2% QoQ	+4.72%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	32%
Delinquency Rate ?	0.78% +13.4% YoY -5.8% QoQ	-0.11%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	55.29% +4.5% YoY -0.3% QoQ	-21.35%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Top 13.8% in tier
Non-Interest-Bearing Deposit Share ?	29.57% -7.8% YoY +1.8% QoQ	+7.55%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	81%
Nonperforming Asset Ratio ?	0.42% +27.2% YoY +1.1% QoQ	-0.22%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	11.08% +1.8% YoY -1.6% QoQ	-4.75%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.11% +11.1% YoY -73.2% QoQ	-0.17%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	59%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#219 of 973 • Bottom 22.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#464 of 1308 • Bottom 35.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.78%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Capital Thin

risk

#312 of 666 • Bottom 46.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.08%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

368

Loan-to-Deposit Ratio

liquidity

Value: 55.29%

Peer Median: 76.64%

#368 of 2664 Top 13.8% in $100M-$1B

517

Non-Interest-Bearing Deposit Share

funding

Value: 29.57%

Peer Median: 22.02%

#517 of 2664 Top 19.4% in $100M-$1B

591

Total Deposits

size

Value: $483.09M

Peer Median: $327.97M

#591 of 2664 Top 22.1% in $100M-$1B

664

Total Assets

size

Value: $536.34M

Peer Median: $386.08M

#664 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (1 metrics)

2030

Tier 1 Capital Ratio

capital

Value: 11.08%

Peer Median: 15.83%

#2030 of 2664 Bottom 23.8% in $100M-$1B