Farmers-Merchants B&T Co
Breaux Bridge, Louisiana · FDIC Cert #9327
Farmers-Merchants B&T Co is an FDIC-insured bank (Certificate #9327) with $447M in total assets and $333M in total deposits as of the Q2 2024 Call Report. Headquartered in Breaux Bridge, Louisiana, the bank maintains a Tier 1 capital ratio of 18.43% (Well-Capitalized) and a nonperforming loan ratio of 0.56%. BankHealthData assigns a composite Health Grade of A (96/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Farmers-Merchants B&T Co (FDIC cert 9327) is a community bank — $447M in total assets, $333M in deposits, serving the Breaux Bridge, Louisiana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.43% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.56% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 38.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.76% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Farmers-Merchants B&T Co carries a composite BankHealth grade of A (96/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Farmers-Merchants B&T Co
- Total Assets
- $447M
- Total Deposits
- $333M
- Tier 1 Capital Ratio
- 18.43%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.56%
- Liquidity Ratio
- 38.62%
- Return on Assets
- 1.76%
- Headquarters
- Breaux Bridge, Louisiana
- FDIC Certificate
- #9327
- Health Grade
- A (96/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Farmers-Merchants B&T Co holds a Tier 1 capital ratio of 18.43%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Farmers-Merchants B&T Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Farmers-Merchants B&T Co shows strong financial health indicators. With $447M in assets and a Health Score of 96/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Farmers-Merchants B&T Co Compares
Farmers-Merchants B&T Co’s Health Score of 96 is 33 points above the Louisiana state average of 63 across 93 FDIC-insured banks. Its 18.43% Tier 1 capital ratio is 4.4 points above the US banking industry average near 14%. The 0.56% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.76% is in line with or above the national ROA benchmark of ~1.1%. Among 1502 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Farmers-Merchants B&T Co is 26 points above the portfolio average of 70.
Frequently Asked Questions
Farmers-Merchants B&T Co has a Bank Health Score of A (96/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 18.43%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Farmers-Merchants B&T Co's Tier 1 capital ratio of 18.43% and nonperforming loan ratio of 0.56% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Farmers-Merchants B&T Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #9327). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Farmers-Merchants B&T Co holds $447M in total assets and $333M in total deposits. It is headquartered in Breaux Bridge, Louisiana (FDIC Certificate #9327).
Farmers-Merchants B&T Co has a Tier 1 capital ratio of 18.43%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.56%, and the return on assets is 1.76%.
Yes. Farmers-Merchants B&T Co is FDIC-insured (Certificate #9327). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Farmers-Merchants B&T Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.