MERCHANTS AND PLANTERS BANK

RAYMOND, MS | Small | Est. Feb. 1, 1906, midnight | FDIC #327 | RSSD #579636 | FDIC
Latest Report: 2025-12-31

MERCHANTS AND PLANTERS BANK is asn small FDIC-insured commercial bank headquartered in RAYMOND, MS, established in Feb. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $225M and total deposits of $189M. Profitability stands at 0.82% ROA and 5.12% ROE, with a net interest margin of 4.10%. The bank's CET1 capital ratio is 14.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 1.17%. FDIC Certificate #327.

Assets

$225M

Deposits

$189M

Loans

$98M

Equity

$36M

Profitability

Return on Assets (ROA) 0.82%
Return on Equity (ROE) 5.12%
Net Interest Margin (NIM) 4.10%
Yield on Assets 5.27%
Cost of Funds 1.29%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio -0.03%
Texas Ratio 1.17%
NPA Ratio 0.20%
ACL / Loans 2.25%

Capital & Liquidity

CET1 Ratio 14.68%
Tier 1 Capital 14.68%
Total Capital Ratio 15.41%
Leverage Ratio 15.85%
Loan-to-Deposit 52.01%

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