At a glance
From its website, read 2 Nov 2026Farmers-Merchants Bank & Trust Company is a bank or thrift based in Breaux Bridge, Louisiana. Its website describes farm loans, auto loans, commercial real estate loans and 5 other loan types. Where it lends: Acadiana region, including the people and businesses throughout Acadiana.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (337) 332-4132 source |
|---|---|
| Website | www.fmbanking.com |
| Office (official list) | PO Box 910, Breaux Bridge, LA 70517 |
What their website says about applying
For more information, or to set up an appointment, please call (337) 332-4132 and ask to speak with a commercial lender!
sourceFor more information, or to set up an appointment, please call (337) 332-4132 and ask to speak with a lender!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jun 2019 |
| RSSD ID | 653134 |
| Address | PO Box 910, Breaux Bridge, LA 70517 |
| Website | www.fmbanking.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and whether loans can be applied for online are not stated on the pages fetched; the fetched pages describe loan types only. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Crop, Government Guaranteed, Lines of Credit, and equipment options available to help fit your agricultural financing needs. | source |
| Auto / vehicle loans | — | Auto and Recreation Loans New and used vehicles | source |
| Commercial real estate loans | — | Commercial Real Estate and Construction Loans | source |
| Equipment loans | — | When purchasing new or needing to upgrade equipment, we have product options to fit your needs. | source |
| Home mortgages | — | Home Financing Made Easy. | source |
| Personal / consumer loans | — | Personal loans can be a way to get extra cash for that unexpected home repair or medical bill. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | As an SBA Preferred Lender, FM Bank can help your small business grow by lowering down payments and extended amortizations with SBA 7(a) and 504 loans. | source |
| Small-business loans | — | Whether you have an established company or you are considering starting your own business, FM Bank can help you with your business needs. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Acadiana region, including the people and businesses throughout Acadiana
Since 1932, FM Bank has been proud to serve the people and businesses throughout Acadiana.
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.fmbanking.com/
- https://www.fmbanking.com/business/lending/
- https://www.fmbanking.com/personal-banking/lending/
- https://www.fmbanking.com/business/card-services/
- https://www.fmbanking.com/business/deposit-services/
- https://www.fmbanking.com/personal-banking/card-services/
- https://www.fmbanking.com/resource-center/banzai/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.9 million in 7 awards from the U.S. Treasury's CDFI Fund, 2019–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $55,097 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
Emergency Capital Investment Program (ECIP)
Treasury invested $64 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Farmers-Merchants Bank & Trust Company reported 81 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $13.9M (median loan about $55,000). 20 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 20 | 25% |
| Refinance (incl. cash-out) | 55 | 68% |
| Home improvement | 3 | 3.7% |
| Other purpose | 3 | 3.7% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 81 | 100% |
Included above: 19 loans on manufactured homes; 3 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 10 counties with at least one; 100% of its 2025 loans were for properties in Louisiana:
Filed under LEI 549300IB375I8TZ2FA87 as “Farmers-Merchants Bank and Trust”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Home loans originated in 2025 (HMDA) | 81 | More than 38% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 38% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Breaux Bridge and Louisiana
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- BASILE STATE BANKBank or thrift · Basile, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
- Bank Of Sunset & Trust CompanyBank or thrift · Sunset, LAAuto / vehicle loans, Commercial real estate loans, Home repair / improvement loans, Home mortgages…Verified
Work at Farmers-Merchants Bank & Trust Company? Link to this page
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