Dear clients and friends,

As we kick off the new year, I’m reminded how fortunate we are to build on a foundation that has always been rooted in people, purpose, and community. While growth and change are part of our story today, the values that define M C Bank remain constant.

In December 2025, we announced that M C Bank entered into a definitive agreement to merge with DMMS Purchaser, Inc., pending appropriate approvals. This partnership represents a meaningful opportunity to strengthen our capital position and responsibly expand our ability to serve our clients and communities for generations to come. What makes this potential merger especially compelling is that it is not about changing who we are – it is about amplifying what already makes M C Bank special. Our culture, our people, and our relationship-driven approach to banking will continue to guide us forward.

Culture and people have always been our greatest competitive advantage. Great cultures share a simple belief: if you’re not serving the client directly, you’re serving the person who is. That mindset creates alignment, accountability, and shared purpose across our organization. It’s why our clients feel understood and supported, and why our associates feel empowered to do meaningful work every day. When we lift one another up and put the collective above the individual, performance follows naturally.

This month also marked an exciting milestone — the opening of our new Morgan City Main Office. While the space itself is new, it’s still grounded in our hometown spirit, familiar faces, and a deep commitment to serving the community that has supported us for decades.

When we remain focused on serving our clients, supporting one another, and living our values every day, we position M C Bank to grow with purpose and impact. Thank you to our associates, clients, shareholders, and communities for your continued trust and support. I am incredibly proud of what we have built together — and even more excited about where we are headed.

Warm regards,
Christopher P. LeBato
President & Chief Executive Officer, M C Bank