M C Bank & Trust Company
Morgan City, LA
IDRSSD: 1003839
Total Assets
$478.10M
Latest filing
Total Deposits
$382.72M
Latest filing
Net Interest Margin
4.47%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
065400483MORGAN CITY, LA
Key People
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Locations
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Main Office
M C Bank & Trust Company
1204 Greenwood St
Morgan City, LA 70380
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/20/1955FDIC Certificate 11389
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| M C Bank & Trust Company (Main) | 1204 Greenwood St | 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 | 94 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/12/2026 |
| Date of Deposit Insurance | 01/20/1955 |
| Primary Insurance Agency | DIF |
| Website | www.mcbt.com |
| Data Updated | 01/30/2026 |
| CERT | 17388 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $478.10M |
| Total Deposits | $382.72M |
| Total Liabilities | $397.59M |
| Total Equity Capital | $80.51M |
| Net Income | $949.00k |
| Net Loans and Leases | $308.42M |
| Assets Per Employee ($Millions) | $5.14M |
| Bank Premises and Fixed Assets | $20.90M |
| Cash and Balances due from Depository Institutions | $91.60M |
| Deposits Held in Domestic Offices | $382.72M |
Key Performance Ratios
| Return on Assets (ROA) | 0.79% |
| Return on Equity (ROE) | 4.73% |
| Net Interest Margin | 4.47% |
| Efficiency Ratio | 78.83% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.84% |
| Earning Assets to total Assets | 90.37% |
Income and Expense
| Total Interest Income | $6.87M |
| Total Noninterest Income | $517.00k |
| Total Interest Expense | $2.02M |
| Total Noninterest Expense | $4.23M |
| Net Interest Income | $4.85M |
| Pre-tax Net Operating Income | $1.02M |
| Provision for Credit Losses | $118.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $14.87M |
| Total Liabilities and Capital | $478.10M |
Securities
| Securities | $38.56M |
| Available-for-sale debt securities | $37.97M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$478.10M as of the latest filing.
How much are M C Bank & Trust Company's total deposits?
$382.72M in total deposits.
Where is M C Bank & Trust Company located?
Morgan City, LA.
What is the Net Interest Margin?
4.47%.
How many domestic offices does it operate?
10.
When was it established?
01/20/1955.
What is the Return on Assets (ROA)?
0.79%.
How much are total loans and leases?
$308.42M (latest filing).
What is the total interest income (latest filing)?
$6.87M.