M C Bank & Trust Company
Morgan City, LA
IDRSSD: 1003839
Total Assets
$478.79M
Latest filing
Total Deposits
$386.57M
Latest filing
Net Interest Margin
4.19%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
M C Bank & Trust Company
1201 Brashear Ave
Morgan City, LA 70380
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/20/1955FDIC Certificate 11389
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| M C Bank & Trust Company (Main) | 1201 Brashear Ave | Morgan City, LA |
| AMELIA BRANCH | 10157 Hwy 182 Frontage Road | Amelia, LA |
| M C BANK BAYOU VISTA BRANCH | 1305 Southeast Boulevard | Morgan City, LA |
| LAFAYETTE BRANCH | 115 Verot School Rd | Lafayette, LA |
| YOUNGSVILLE OFFICE | 2480 Highway 89 | Youngsville, LA |
| MC BANK HOUMA LPO/DPO BRANCH | 1297 Saint Charles St | Houma, LA |
| LAKEVIEW BRANCH | 851 Harrison Ave | New Orleans, LA |
| SOUTH I-10 SERVICE ROAD BRANCH | 3636 S I 10 Service Rd W | Metairie, LA |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/20/1955 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 70380 |
| State and County Number | 22101 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Morgan City, LA |
Operational Info
| Number of Employees | 92 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/20/1955 |
| Primary Insurance Agency | DIF |
| Website | www.mcbt.com |
| Data Updated | 11/14/2025 |
| CERT | 17388 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $478.79M |
| Total Deposits | $386.57M |
| Total Liabilities | $398.95M |
| Total Equity Capital | $79.84M |
| Net Income | $1.21M |
| Net Loans and Leases | $306.78M |
| Assets Per Employee ($Millions) | $5.09M |
| Bank Premises and Fixed Assets | $17.77M |
| Cash and Balances due from Depository Institutions | $98.07M |
| Deposits Held in Domestic Offices | $386.57M |
Key Performance Ratios
| Return on Assets (ROA) | 1.01% |
| Return on Equity (ROE) | 6.1% |
| Net Interest Margin | 4.19% |
| Efficiency Ratio | 68.3% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.676% |
| Earning Assets to total Assets | 91.34% |
Income and Expense
| Total Interest Income | $6.70M |
| Total Noninterest Income | $527.00k |
| Total Interest Expense | $2.14M |
| Total Noninterest Expense | $3.48M |
| Net Interest Income | $4.56M |
| Pre-tax Net Operating Income | $1.54M |
| Provision for Credit Losses | $71.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $250.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.37M |
| Total Liabilities and Capital | $478.79M |
Securities
| Securities | $37.49M |
| Available-for-sale debt securities | $36.90M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $590.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of M C Bank & Trust Company?
$478.79M as of the latest filing.
How much are M C Bank & Trust Company's total deposits?
$386.57M in total deposits.
Where is M C Bank & Trust Company located?
Morgan City, LA.
What is the Net Interest Margin?
4.19%.
How many domestic offices does it operate?
10.
When was it established?
01/20/1955.
What is the Return on Assets (ROA)?
1.01%.
How much are total loans and leases?
$306.78M (latest filing).
What is the total interest income (latest filing)?
$6.70M.