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This institution is no longer active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

Adequate

ROA 1.53%

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%

ROE

12.27%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate12.59%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$328M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202414377.62%12.59%
202318868.62%15.43%
202221574.88%11.16%
202125176.89%12.35%
202027966.31%15.77%
201929172.16%9.62%
201830874.03%10.39%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating 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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