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M C Bank & Trust Company
Morgan City, LA · FDIC Certificate #17388 · Chartered 01/2
Total assets
$709.98M
Total deposits
$480.55M
Total equity
$216.85M
Net loans
$341.82M
Branches (offices)
10
Net income (YTD)
-$7.17M
Rank: #1,366 of 4,213 U.S. banks by assets · #25 of 103 in Louisiana. Assets changed 50.3% and deposits 25.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -2.56% |
| Return on equity | -11.37% |
| Net interest margin (YTD) | 1.63% |
| Equity to assets | 30.54% |
| Tier 1 leverage ratio | 42.96% |
| Uninsured deposits (share of deposits) | 44.6% |
| Noncurrent loans (share of loans) | 5.84% |
| Net charge-offs (share of loans) | 0.76% |
| Loans to deposits | 71.1% |
| Real estate loans (share of loans) | 68.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $232.94M | 68.1% | |
| Commercial & industrial | $109.25M | 32.0% | |
| Consumer / individual | $5.58M | 1.6% | |
| Construction & development | $24.01M | 7.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $380.96M | $307.51M | $1.32M | $71.26M |
| Jun 2023 | $414.97M | $284.26M | $930.00K | $71.58M |
| Jun 2024 | $441.34M | $332.94M | $1.83M | $74.44M |
| Jun 2025 | $472.36M | $382.28M | $2.07M | $78.27M |
| Jun 2026 | $709.98M | $480.55M | -$7.17M | $216.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $480.55M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $480.55M.
Similar-sized banks
Union Bank ($710.19M) · Eagle Bank ($708.98M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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