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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

$50.7M$71.3MINCOMEEXPENSE
Unfavorable gap of $20.5M · efficiency ratio beats 11% of banks $1B-$10B in assets operating regionally
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.78%0.93%1.26%1.54%Beats 90%18 / 176n/a
Return on Equity18.49%9.26%11.89%14.46%Beats 94%11 / 176n/a
Net Interest Margin3.25%3.25%3.59%3.93%Beats 25%132 / 176n/a
Efficiency Ratio75.80%52.79%59.55%67.66%Beats 11%158 / 176n/a
Asset Quality
Nonperforming Loans / Loans1.94%0.30%0.64%1.32%Beats 10%160 / 176n/a
Net Charge-Offs / Loans0.05%0.01%0.04%0.10%Beats 47%95 / 176n/a
Capital
Tier 1 Capital Ratio13.62%11.15%12.72%14.15%Beats 68%57 / 176n/a
Total Risk-Based Capital Ratio14.55%11.81%13.63%15.33%Beats 65%61 / 176n/a
Equity / Assets9.65%9.16%10.35%11.80%Beats 33%118 / 176n/a
Liquidity & Funding
Loans / Deposits68.04%80.94%89.73%97.21%6th pctl165 / 176n/a
Loans / Assets50.79%69.25%75.12%80.82%2nd pctl172 / 176n/a
Brokered Deposits / Depositsn/aNot reported for this institution