The Mer Rouge State Bank

Mer Rouge, LouisianaFDIC Cert #314

STATEEstablished 19031 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$2.11M
Investor CRE	$2.03M
Multifamily	$2.72M
Construction	$3.16M
1–4 family	$2.39M
C&I	$4.41M
Agriculture	$12.4M
Other	$620K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$29.8M

+25.5%y/y

Percentile by value48th percentileby value

FDICLNLSGR

Net loans

$29.5M

+25.7%y/y

Percentile by value48th percentileby value

FDICLNLSNET

Loans YoY

+25.66%

+199.1%y/y

Percentile by value94th percentileby value

FDICLNLSNET

L/D

67.0%

+30.0%y/y

Percentile by value51st percentileby value

FDICLNLSNET + DEP

Loans/assets

59.4%

+28.1%y/y

Percentile by value59th percentileby value

FDICLNLSNET + ASSET

RE loans %

54.81%

+41.8%y/y

Percentile by value32nd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,550points

−29.1%y/y

Peer standing94th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

7.08%

+793.7%y/y

Percentile by value65th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

6.80%

−39.1%y/y

Percentile by value67th percentileby value

FDICLNRENROT + LNLSGR

C&I %

14.81%

−31.4%y/y

Percentile by value71st percentileby value

FDICLNCI + LNLSGR