Pascagoula, MS · Cert 12203 · Merchants&Marine Bcorp Inc.
State charter, non-member · FDIC · 24 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
29
Profitability
70
Liquidity
0
Efficiency
11
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pascagoula, MS · Cert 12203 · Merchants&Marine Bcorp Inc.
State charter, non-member · FDIC · 24 branches
Q2 2026
Market Position · Gulfport-Biloxi, MS · 2026 SOD (annual) · 4.9% share · #6 of 16 inst. · $0.4B of $8.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.79% | 0.45% | 0.39% | 0.48% | 0.52% | 0.15% | 2.22% | +183 bps | |
| Return on Equity | 5.74% | 6.12% | 3.53% | 3.40% | 4.29% | 4.73% | 1.45% | 22.13% | +1,873 bps | |
| Net Interest Margin | 4.58% | 4.95% | 4.96% | 4.26% | 3.94% | 3.96% | 3.71% | 3.25% | -101 bps | |
| Efficiency Ratio | 84.78% | 84.75% | 91.15% | 89.70% | 87.87% | 87.44% | 97.65% | 75.80% | -1,391 bps | |
| Non-Interest Burden | 3.62% | 3.91% | 4.35% | 3.67% | 3.31% | 3.31% | 3.56% | 1.52% | -215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.25% | 4.12% | 8.40% | 21.99% | 30.76% | 31.45% | 31.68% | 42.22% | +2,023 bps | |
| Loan Growth (YoY) | 9.16% | 10.74% | 10.06% | 3.59% | 3.35% | -4.35% | -4.10% | 45.45% | +4,186 bps | |
| Deposit Growth (YoY) | 12.31% | 14.02% | 19.79% | 3.31% | 3.66% | 4.08% | 6.04% | 56.78% | +5,347 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 1.04% | 0.59% | 0.43% | 1.59% | 1.75% | 1.55% | 1.94% | +151 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.38% | 0.04% | 0.06% | 0.07% | 0.32% | -0.03% | 0.02% | -4 bps | |
| Allowance / Loans | 1.77% | 1.33% | 1.35% | 1.42% | 1.42% | 1.19% | 1.20% | 1.14% | -28 bps | |
| Allowance Coverage of NPLs | 2.9x | 1.3x | 2.3x | 3.3x | 0.9x | 0.7x | 0.8x | 0.6x | -2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.18% | 13.07% | 13.14% | 10.88% | 10.07% | 10.16% | 10.12% | 8.83% | -205 bps | |
| Total Risk-Based Capital | 17.59% | 16.44% | 17.08% | 17.66% | 17.84% | 18.87% | 16.28% | 14.55% | -311 bps | |
| Equity / Assets | 13.07% | 12.91% | 12.82% | 9.71% | 10.06% | 10.41% | 10.21% | 9.65% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.52% | 77.75% | 75.24% | 73.34% | 74.30% | 71.45% | 68.05% | 68.04% | -530 bps | |
| Liquid Assets / Assets | 9.17% | 7.86% | 9.68% | 7.29% | 6.87% | 9.10% | 3.39% | 7.73% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 278% | 260% | 260% | n/a | n/a | |
Pascagoula, MS · Cert 12203 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Merchants&Marine Bcorp Inc.
State charter, non-member · FDIC · 24 branches
Q2 2026
Return on Assets
1.78%
Rank 18 of 176
Net Interest Margin
3.25%
Rank 132 of 176
Efficiency Ratio
75.80%
Rank 158 of 176
Equity / Assets
9.65%
Rank 118 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.78% | 0.93% | 1.26% | 1.54% | Beats 90% | 18 / 176 | n/a | |
| Return on Equity | 18.49% | 9.26% | 11.89% | 14.46% | Beats 94% | 11 / 176 | n/a | |
| Net Interest Margin | 3.25% | 3.25% | 3.59% | 3.93% | Beats 25% | 132 / 176 | n/a | |
| Efficiency Ratio | 75.80% | 52.79% | 59.55% | 67.66% | Beats 11% | 158 / 176 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.94% | 0.30% | 0.64% | 1.32% | Beats 10% | 160 / 176 | n/a | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.04% | 0.10% | Beats 47% | 95 / 176 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.62% | 11.15% | 12.72% | 14.15% | Beats 68% | 57 / 176 | n/a | |
| Total Risk-Based Capital Ratio | 14.55% | 11.81% | 13.63% | 15.33% | Beats 65% | 61 / 176 | n/a | |
| Equity / Assets | 9.65% | 9.16% | 10.35% | 11.80% | Beats 33% | 118 / 176 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.04% | 80.94% | 89.73% | 97.21% | 6th pctl | 165 / 176 | n/a | |
| Loans / Assets | 50.79% | 69.25% | 75.12% | 80.82% | 2nd pctl | 172 / 176 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||