Merchants & Marine Bank
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
$1.3BAssets
$685.0MLoans
$1.0BDeposits
$130.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 94% of banks $1B-$10B in assets operating regionally (rank 11 of 176).
- Widest gap: nonperforming loans / loans trails 90% of banks $1B-$10B in assets operating regionally (rank 160 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $20.5M · efficiency ratio beats 11% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.78% | 0.93% | 1.26% | 1.54% | Beats 90% | 18 / 176 | |
| Return on Equity | 18.49% | 9.26% | 11.89% | 14.46% | Beats 94% | 11 / 176 | |
| Net Interest Margin | 3.25% | 3.25% | 3.59% | 3.93% | Beats 25% | 132 / 176 | |
| Efficiency Ratio | 75.80% | 52.79% | 59.55% | 67.66% | Beats 11% | 158 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.94% | 0.30% | 0.64% | 1.32% | Beats 10% | 160 / 176 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.04% | 0.10% | Beats 47% | 95 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 13.62% | 11.15% | 12.72% | 14.15% | Beats 68% | 57 / 176 | |
| Total Risk-Based Capital Ratio | 14.55% | 11.81% | 13.63% | 15.33% | Beats 65% | 61 / 176 | |
| Equity / Assets | 9.65% | 9.16% | 10.35% | 11.80% | Beats 33% | 118 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 68.04% | 80.94% | 89.73% | 97.21% | 6th pctl | 165 / 176 | |
| Loans / Assets | 50.79% | 69.25% | 75.12% | 80.82% | 2nd pctl | 172 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |