MERCHANTS & MARINE BANK

PASCAGOULA, MS | Medium | Est. Jan. 11, 1932, midnight | FDIC #12203 | RSSD #94139 | FDIC
Latest Report: 2025-12-31

MERCHANTS & MARINE BANK is amn medium FDIC-insured commercial bank headquartered in PASCAGOULA, MS, established in Jan. 11, 1932, midnight. As of 2025-12-31, the bank reported total assets of $940M and total deposits of $631M. Profitability stands at 0.62% ROA and 6.04% ROE, with a net interest margin of 4.33%. The bank's CET1 capital ratio is 17.83%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.75% and a Texas Ratio of 7.65%. FDIC Certificate #12203.

Assets

$940M

Deposits

$631M

Loans

$451M

Equity

$98M

Profitability

Return on Assets (ROA) 0.62%
Return on Equity (ROE) 6.04%
Net Interest Margin (NIM) 4.33%
Yield on Assets 5.67%
Cost of Funds 1.39%

Asset Quality

NPL Ratio 1.75%
Net Charge-Off Ratio 0.32%
Texas Ratio 7.65%
NPA Ratio 0.84%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 17.83%
Tier 1 Capital 17.83%
Total Capital Ratio 18.87%
Leverage Ratio 10.16%
Loan-to-Deposit 71.45%

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