Total Assets
$225M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$189M
Customer-funded liabilities
Net Loans
$96M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
57th percentile nationally
1.19%
Return on Equity (ROE)
7.60%
Efficiency Ratio
65.57%
What the numbers say about Merchants and Planters Bank
Merchants and Planters Bank is an FDIC-insured institution (Certificate #327) headquartered in Raymond, Mississippi, established in 1906. It holds $225M in total assets - 2,876th of 4,313 FDIC-insured banks, $189M in customer deposits, and $96M in net loans. Capital-wise, the Tier 1 ratio sits at 15.85%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.20%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Merchants and Planters Bank sits 48th of 57 banks headquartered in Mississippi by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Mississippi by total assets
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.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Merchants and Planters Bank's health grade?▼
Merchants and Planters Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Merchants and Planters Bank?▼
Merchants and Planters Bank holds $225M in total assets and $189M in deposits, ranking 2,876th of 4,313 FDIC-insured banks by asset size. It is headquartered in Raymond, Mississippi.
Is my money safe at Merchants and Planters Bank?▼
Yes, deposits at Merchants and Planters Bank (Certificate #327) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Merchants and Planters Bank's Tier 1 Capital Ratio?▼
Merchants and Planters Bank has a Tier 1 Capital Ratio of 15.85%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Merchants and Planters Bank?▼
Merchants and Planters Bank has a Texas Ratio of 0.20%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Merchants and Planters Bank?▼
Merchants and Planters Bank has an Efficiency Ratio of 65.57%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Merchants and Planters Bank's profile as a depositor or analyst.
- Merchants and Planters Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Merchants and Planters Bank against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.