FDIC Cert #327 · Raymond, Mississippi · Est. 1906

Merchants and Planters Bank - FDIC Bank Health Profile

A community-scale look at Merchants and Planters Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$225M
Total assets
A
Health grade · Excellent
1.19%
Return on assets
15.9%
Tier 1 capital

Data updated July 2026

The verdict

Merchants and Planters Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 15.85% Tier 1, profitable at 1.19% ROA, 66% efficiency ratio.

#2,876
largest of 4,313 FDIC banks by assets
33rd
percentile by asset size, nationally
15.85%
Tier 1 ratio - above the 10% well-capitalized line
57th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 327 · MS A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #1047/4307
  • PHOTO-FINISH Sooner State Bank · OK
  • TIER1-WELL 15.9% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-PAR 1.19% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Sooner State Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Merchants and Planters Bank

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Alliance Bank · IN · near88/100American Exchange Bank · OK …88/100Merchants and Plante… · MS ·…88/100Security State Bank · IA · n…88/100Sooner State Bank · OK · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Merchants and Planters Bank · July 2026

What Merchants and Planters Bank's Call Report plate shows

Merchants and Planters Bank (FDIC Cert #327) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,047 of 4,307. Tier 1 capital prints at 15.85%, clearing the 10% well-capitalized line. The Texas Ratio is 0.20%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.19%. Balance-sheet scale is $225M, 2,876th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Sooner State Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Merchants and Planters Bank

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

Merchants and Planters Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Merchants and Planters Bank remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How Merchants and Planters Bank's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Merchants and Planters Bank's composite health score
Tier 1 Capital Ratio (15.85%) 40/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (0.20%) 20/20
Efficiency Ratio (65.57%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$225M

Total balance-sheet footings

Total Deposits

$189M

Customer-funded liabilities

Net Loans

$96M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.45% 15.85% 17.25%
Basel III capital ratios - Merchants and Planters Bank

Where Merchants and Planters Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Merchants and Planters Bank's score of 88/100 falls in the highlighted band.

Merchants and Planters Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 24% higher than 76% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Merchants and Planters Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Merchants and Planters Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Merchants and Planters Bank's $225M falls in the highlighted band.

Safety ratios for Merchants and Planters Bank

Tier 1 capital ratio
Well-capitalized 10%

15.85% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.85%
Texas Ratio
0.20%
Equity Capital
$36M

What these ratios mean →

Earnings posture at Merchants and Planters Bank

Return on Assets (ROA)
57th percentile nationally
1.19%
Return on Equity (ROE)
7.60%
Efficiency Ratio
65.57%

What these mean →

Income & expense at Merchants and Planters Bank

$11M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Merchants and Planters Bank reports a Texas Ratio of 0.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Merchants and Planters Bank on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($225M here), outside Mississippi so the neighborhood is not state containment.

CornerStone Bank $225M · VA First Federal Savings and Loan Associ… $225M · IL The Stockgrowers State Bank of Ashlan… $225M · KS First National Bank USA $225M · LA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Merchants and Planters Bank (FDIC Cert #327) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Merchants and Planters Bank Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
Hancock Whitney BankGulfport $35.5B A 1.41%
Renasant BankTupelo $26.7B B 0.89%
Trustmark BankJackson $18.9B B 1.26%
BankPlusBelzoni $8.1B B 1.14%
Community Bank of MississippiFlowood $5.0B B 0.89%
BankFirst Financial ServicesColumbus $3.3B B 1.04%
Guaranty Bank and Trust CompanyBelzoni $2.9B B 1.10%
Planters Bank & Trust CompanyIndianola $2.1B A 0.84%