M C Bank & Trust Company

BankMorgan City, Louisiana
www.mcbt.com

Total Assets

$478.1M

Total Deposits

$382.7M

Branches

10

Established

1955

TFS Health Grade

$
D+

69.8 / 100

Below average financial health

How we grade

M C Bank & Trust Company is a bank headquartered in Morgan City, Louisiana, established in 1955. With $478.1M in total assets and 10 branch locations, it has a TFS Financial Health Grade of D+ (69.8/100).

Capital & Safety

Tier 1 Capital Ratio
17.27%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.45%

Profitability

Return on Assets (ROA)
0.92%(1%)
Return on Equity (ROE)
5.39%(10%)
Net Interest Margin
4.39%
Efficiency Ratio
73.85%(60%)

Lending & Liquidity

Total Loans
$313.4M
Loan-to-Deposit Ratio
80.59%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+10.93%
Deposit Growth (YoY)
+11.60%
Net Income
$4.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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