TellerScore

M C Bank & Trust Company (FDIC certificate #17388) is based in Morgan City, Louisiana. Its Q2 2026 call report shows $710.0M in total assets and $480.6M in deposits and 15 offices across 2 states.

M C Bank & Trust Company has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 94th. Capital cushion contributes the most (100/100, 42.96%); earnings contributes the least (0/100, -2.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 42.96%
Loan quality0/100
Noncurrent loans ÷ total loans: 5.84%
Earnings0/100
Return on assets (annualized): -2.56%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 71.1% · 44.6% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 35 points (82 → 47), mostly because the loan quality component weakened by 88 points.

TellerScore
476582Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202477
Q4 202477
Q1 202579
Q2 202582
Q3 202574
Q4 202572
Q1 202658
Q2 202647
Tier 1 leverage ratio
5.00%23.98%42.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202417.80%
Q3 202417.99%
Q4 202417.57%
Q1 202518.33%
Q2 202518.00%
Q3 202517.40%
Q4 202517.27%
Q1 202617.34%
Q2 202642.96%
Noncurrent loans
0.36%3.10%5.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.59%
Q3 20240.71%
Q4 20240.55%
Q1 20250.64%
Q2 20250.36%
Q3 20251.27%
Q4 20251.45%
Q1 20262.96%
Q2 20265.84%
Return on assets
-2.56%-0.78%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.81%
Q4 20240.69%
Q1 20250.99%
Q2 20250.92%
Q3 20250.96%
Q4 20250.92%
Q1 20260.84%
Q2 2026-2.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$710.0M42.96%5.84%-2.56%71.1%
Q1 202658$489.8M17.34%2.96%0.84%80.5%
Q4 202572$478.1M17.27%1.45%0.92%80.6%
Q3 202574$478.8M17.40%1.27%0.96%79.4%
Q2 202582$472.4M18.00%0.36%0.92%81.9%
Q1 202579$443.4M18.33%0.64%0.99%89.0%
Q4 202477$431.0M17.57%0.55%0.69%93.1%
Q3 202477$448.5M17.99%0.71%0.81%93.7%
Q2 202478$441.3M17.80%0.59%0.82%95.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio42.96%
99th
Total risk-based capital0.00%
24th
Problem loans5.84%
2nd
Net charge-offs0.76%
3rd
Return on assets-2.56%
0th
Net interest margin1.63%
0th
Efficiency ratio309.3%
0th
Loans to deposits71.1%
68th
Uninsured deposits44.6%
7th
Loan-loss reserves2.48%
97th
Texas ratio9.1%
20th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Concordia Bank & Trust CompanyBank Vidalia, LA52 out of 100, Below average$667.0M11.1%2.54%vs
Metairie Bank & Trust CompanyBank Metairie, LA75 out of 100, Strong$666.0M11.5%0.46%vs
United Community BankBank Raceland, LA83 out of 100, Strong$665.5M14.5%0.73%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
Homeland Federal Savings BankBank Columbia, LA59 out of 100, Moderate$657.8M9.2%0.99%vs
The First National Bank of JeaneretteBank Jeanerette, LA73 out of 100, Strong$646.5M10.0%0.23%vs

Deposit insurance

Is my money safe at M C Bank & Trust Company?

Yes. M C Bank & Trust Company is an FDIC-insured institution (FDIC certificate #17388). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.6% of deposits ($214.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 42.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

M C Bank & Trust Company lists 15 offices in 10 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, M C Bank & Trust Company reported 103 home-loan applications under HMDA (LEI 54930045EHC4UJU3BP73): 58 originated ($16,550,000 total), 32 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 32.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
M C Bank & Trust Company
Former names
Morgan City Bank & Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
17388
RSSD ID
1003839
Primary regulator
FED
Holding company
Dmms Management Llc
Established
January 20, 1955
Headquarters
1204 Greenwood St, Morgan City, LA 70380
Employees
152

Quick answers

M C Bank & Trust Company: common questions

Is M C Bank & Trust Company FDIC insured?

Yes. M C Bank & Trust Company is an FDIC-insured institution (FDIC certificate #17388). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is M C Bank & Trust Company's TellerScore?

47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has M C Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #17388 in the FDIC failed bank list.

How many branches does M C Bank & Trust Company have?

15 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Morgan City

InstitutionScoreAssetsCapitalProblem loansCompare
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
Cabot Employees Credit UnionCredit union Franklin, LA89 out of 100, Very strong$1.3M27.0%0.00%vs
St. Mary Parish School Emp. Federal Credit UnionCredit union Franklin, LA85 out of 100, Very strong$455K22.7%0.49%vs
Morgan City Federal Credit UnionCredit union Morgan City, LA84 out of 100, Strong$4.8M16.7%0.00%vs
United Community BankBank Raceland, LA83 out of 100, Strong$665.5M14.5%0.73%vs
Riverland Federal Credit UnionCredit union New Orleans, LA78 out of 100, Strong$319.7M15.8%0.55%vs