Total Assets
$940M
Total balance-sheet footings
FDIC Cert #12203 · Pascagoula, Mississippi · Est. 1932
Merchants & Marine Bank - FDIC Bank Health Profile
A community-scale look at Merchants & Marine Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $940M
- Total assets
- B
- Health grade · Good
- 0.52%
- Return on assets
- 17.8%
- Tier 1 capital
Data updated July 2026
The verdict
Merchants & Marine Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 17.83% Tier 1, 0.52% ROA, 87% efficiency ratio.
- #1,106
- largest of 4,313 FDIC banks by assets
- 74th
- percentile by asset size, nationally
- 17.83%
- Tier 1 ratio - above the 10% well-capitalized line
- 17th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Merchants & Marine Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Merchants & Marine Bank's composite health score
Tier 1 Capital Ratio (17.83%) 40/40
Return on Assets (ROA) (0.52%) 14/25
Texas Ratio (7.65%) 16/20
Efficiency Ratio (87.44%) 0/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$631M
Customer-funded liabilities
Net Loans
$446M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Merchants & Marine Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Merchants & Marine Bank's score of 70/100 falls in the highlighted band.
Merchants & Marine 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 & Marine Bank's $940M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.83%
Texas Ratio
7.65%
Equity Capital
$98M
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.52%
Return on Equity (ROE)
4.73%
Efficiency Ratio
87.44%
What the numbers say about Merchants & Marine Bank
Merchants & Marine Bank is an FDIC-insured institution (Certificate #12203) headquartered in Pascagoula, Mississippi, established in 1932. It holds $940M in total assets - 1,106th of 4,313 FDIC-insured banks, $631M in customer deposits, and $446M in net loans. Its capital position: a Tier 1 ratio of 17.83%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.65% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (70 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 & Marine Bank sits 15th of 57 banks headquartered in Mississippi by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$46M
Interest Income
$9M
Non-Interest Income
$40M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Merchants & Marine Bank reports a Texas Ratio of 7.65% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.65% - 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 & Marine Bank (FDIC Cert #12203) - 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 & Marine Bank's health grade?▼
Merchants & Marine Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Merchants & Marine Bank?▼
Merchants & Marine Bank holds $940M in total assets and $631M in deposits, ranking 1,106th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pascagoula, Mississippi.
Is my money safe at Merchants & Marine Bank?▼
Yes, deposits at Merchants & Marine Bank (Certificate #12203) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Merchants & Marine Bank's Tier 1 Capital Ratio?▼
Merchants & Marine Bank has a Tier 1 Capital Ratio of 17.83%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Merchants & Marine Bank?▼
Merchants & Marine Bank has a Texas Ratio of 7.65%. 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 & Marine Bank?▼
Merchants & Marine Bank has an Efficiency Ratio of 87.44%. 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 & Marine Bank's profile as a depositor or analyst.
- Merchants & Marine Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Merchants & Marine 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.