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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 12203 · MS B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2987/4307
  • PHOTO-FINISH Ford County State Bank · KS
  • TIER1-WELL 17.8% Tier 1
  • TEXAS-CLEAN 7.7% Texas
  • ROA-THIN 0.52% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Ford County State Bank, KS (±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 & Marine Bank

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

Morgan Stanley Bank,… · UT ·…100/100Carrollton Bank · IL · near70/100Citizens Community B… · MO ·…70/100Ford County State Bank · KS …70/100Merchants & Marine B… · MS ·…70/100Premier Bank Nationa… · NE ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Merchants & Marine Bank · July 2026

What Merchants & Marine Bank's Call Report plate shows

Merchants & Marine Bank (FDIC Cert #12203) carries a PlainBankData health grade of B at 70/100, 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 #2,987 of 4,307. Tier 1 capital prints at 17.83%, clearing the 10% well-capitalized line. The Texas Ratio is 7.65%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.52%. Balance-sheet scale is $940M, 1,106th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Ford County State Bank (KS), 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 & Marine Bank

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

Merchants & Marine 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 & Marine 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 & 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.

0/100100/100National avg77/10070/100
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 Assets

$940M

Total balance-sheet footings

Total Deposits

$631M

Customer-funded liabilities

Net Loans

$446M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.43% 17.83% 19.23%
Basel III capital ratios - Merchants & Marine Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 31st percentile higher than 31% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Merchants & Marine 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 & 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 ratios for Merchants & Marine Bank

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

What these ratios mean →

Profitability metrics: Merchants & Marine Bank

Return on Assets (ROA)
17th percentile nationally
0.52%
Return on Equity (ROE)
4.73%
Efficiency Ratio
87.44%

What these mean →

Income & expense at Merchants & Marine Bank

$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.

FDIC Failed Bank List → View Merchants & Marine 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 ($940M here), outside Mississippi so the neighborhood is not state containment.

Lindell Bank & Trust Company $940M · MO Harleysville Bank $940M · PA Heartland Bank $940M · NE Atlantic Community Bankers Bank $940M · PA

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.

Merchants & Marine 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%