This institution is no longer active

Operations ceased on April 1, 2026. CRA examination history below reflects the period it was active.

FARMERS-MERCHANTS BANK & TRUST COMPANY

BREAUX BRIDGE, LA · Supervised by FDIC

Est. 1932FDIC #9,327RSSD: FDIC-9327

Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.53%

Is this bank safe?

FARMERS-MERCHANTS BANK & TRUST COMPANY holds a Satisfactory CRA rating (2025), is financially strong (ROA +1.53%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

100 S Main St, BREAUX BRIDGE, LA

County

St. Martin County

Established

January 1, 1932

Total Assets

$448M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$448M

Total Deposits

$330M

Net Loans

$243M

Net Income

$2M

ROA

1.53%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.27%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.53%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate12.59%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$328M

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	143	77.62%	12.59%
2023	188	68.62%	15.43%
2022	215	74.88%	11.16%
2021	251	76.89%	12.35%
2020	279	66.31%	15.77%
2019	291	72.16%	9.62%
2018	308	74.03%	10.39%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2025	Satisfactory	Intermediate Small Bank
Feb 2022	Satisfactory	Intermediate Small Bank
Dec 2018	Satisfactory	Small Bank

7 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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