Townbridge Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Townbridge Bank. Its balance sheet stood at $1.3 billion at June 30, 2026, up 42.2% from a year earlier; it is based in Pascagoula, Mississippi. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.88% of loans from 0.43% a year earlier. It earns about $3.45 a year on every $100 of assets, 2.7 times the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 8.83% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
Deposits are coming in faster than loans: over the year loans rose 45.5% and deposits rose 56.8%. Its $79 million commercial and industrial book is improving, with 1.28% past due or on nonaccrual, down from 4.52% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.2% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Townbridge Bank reported a CET1 capital ratio of 11.20%, a return on assets of 3.45%, a nonperforming-loan ratio of 1.94% and a Texas ratio of 11.24%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 3118 Pascagoula St, Pascagoula, MS 39567
- County
- Jackson
- Metro Area
- Gulfport-Biloxi, MS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 11, 1932
- Former names
- Merchants & Marine Bank (1956-2026)
- Offices
- 24 domestic
- Employees (FTE)
- 296
- Domestic deposits
- $1.01B
- Allowance for credit losses
- $7.8M
- Net charge-offs (YTD)
- $84K
- Average total assets
- $1.35B
- Average total loans
- $706.0M
- Average interest-bearing deposits
- $797.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12203
- Fed RSSD
- 94139
- SEC CIK
- 1432405 → filed by MERCHANTS & MARINE BANCORP, INC.
- Website
- http://www.fmbanking.com →
- Parent Holding Company
- MERCHANTS & MARINE BANCORP, INC. (RSSD 3696093)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Townbridge Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Townbridge Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Townbridge Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Townbridge Bank: ROA.
Banks merged into Townbridge Bank
- Farmers-Merchants Bank & Trust Company, effective April 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.20% | 3.45% | 1.94% | 11.24% | 3.91% |
| Q1 2026 | 15.38% | 0.15% | 1.55% | 7.17% | 4.11% |
| Q4 2025 | 17.83% | 0.61% | 1.75% | 8.63% | 4.44% |
| Q3 2025 | 16.64% | 0.59% | 1.59% | 8.57% | 4.46% |
| Q2 2025 | 16.45% | 0.34% | 0.43% | 2.35% | 4.91% |
| Q1 2025 | 15.99% | 0.45% | 0.59% | 3.12% | 5.58% |
| Q4 2024 | 15.38% | 0.92% | 1.04% | 5.66% | 5.78% |
| Q3 2024 | 16.34% | 1.00% | 0.61% | 3.09% | 5.46% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 24 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fmb Park Plaza Branch | Breaux Bridge , LA | 70517 | $217.3M |
| Merchants & Marine Bank | Pascagoula , MS | 39567 | $181.0M |
| Mrb Belle Chasse Branch | Belle Chasse , LA | 70037 | $78.7M |
| Fmb Grand Point Branch | Breaux Bridge , LA | 70517 | $57.2M |
| Gulf Shores Branch | Gulf Shores , AL | 36542 | $47.3M |
| Escatawpa Branch | Moss Point , MS | 39563 | $42.2M |
| Main Street Branch | Moss Point , MS | 39563 | $38.8M |
| Lucedale Branch | Lucedale , MS | 39452 | $37.7M |
| Gautier Branch | Gautier , MS | 39553 | $37.2M |
| Ocean Springs Branch | Ocean Springs , MS | 39564 | $36.9M |
| Hurley Branch | Moss Point , MS | 39562 | $34.9M |
| Saint Martin Branch | Ocean Springs , MS | 39564 | $34.3M |
| Fmb Arnaudville Branch | Arnaudville , LA | 70512 | $31.8M |
| Fmb Ambassador Branch | Lafayette , LA | 70506 | $22.6M |
| Daphne Branch | Daphne , AL | 36526 | $21.7M |
| Hardy Street Branch | Hattiesburg , MS | 39402 | $19.6M |
| Fm Bank - Pinhook Branch | Lafayette , LA | 70508 | $17.5M |
| Mrb Port Sulphur Branch | Port Sulphur , LA | 70083 | $14.8M |
| Mobile Airport Branch | Mobile , AL | 36608 | $14.1M |
| Fairhope Branch | Fairhope , AL | 36532 | $7.2M |
| Market Street Branch | Pascagoula , MS | 39567 | $6.0M |
| Wade Branch | Moss Point , MS | 39562 | $5.6M |
| Royal Street Branch | Mobile , AL | 36602 | $2.4M |
| Farmers-Merchants Bank & Trust Company Branch | Breaux Bridge , LA | 70517 | $36K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired Farmers-Merchants Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 11, 2024 | Structure Change | Acquired Mississippi River Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 10, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 10, 2011 | Structure Change | Acquired Heritage First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Townbridge Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in MS, rank 29 of 81 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 301 applications, 219 loans originated, $62.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 36 loans, $11.7M approved, $325K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Townbridge Bank
What are Townbridge Bank's total assets?
As of the Q2 2026 filing, Townbridge Bank reported total assets of $1.35 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Townbridge Bank headquartered?
Townbridge Bank is headquartered in Pascagoula, MS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Townbridge Bank founded?
Townbridge Bank was established in 1932, per the FDIC institution directory.
Is Townbridge Bank FDIC-insured?
Yes. Townbridge Bank is an FDIC-insured commercial bank (FDIC Certificate #12203). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Townbridge Bank?
Townbridge Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Townbridge Bank's CET1 capital ratio?
Townbridge Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.20% in its Q2 2026 call report, above regulatory requirements.
How many branches does Townbridge Bank operate?
Townbridge Bank operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Townbridge Bank's Texas Ratio?
Townbridge Bank's Texas Ratio is 11.24% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Townbridge Bank previously called?
The charter now named Townbridge Bank has also operated as Merchants & Marine Bank (1956-2026), per FDIC structure-change records.
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