MERCHANTS & MARINE BANK
MERCHANTS & MARINE BANK is an FDIC-insured commercial bank headquartered in PASCAGOULA, MS, established in 1932. As of , 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 4.44%. CET1 capital ratio: 17.83%, well above regulatory minimums. NPL ratio: 1.75% · Texas Ratio: 7.65%. Operates 18 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Merchants & Marine Bank rankings
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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 |
|---|---|---|---|---|---|
| 2025-12-31 | 17.83% | 0.62% | 1.75% | 7.65% | 4.44% |
| 2025-09-30 | 16.64% | 0.60% | 1.59% | 7.58% | 4.47% |
| 2025-06-30 | 16.45% | 0.36% | 0.42% | 2.01% | 5.09% |
| 2025-03-31 | 15.99% | 0.45% | 0.59% | 2.75% | 5.53% |
| 2024-12-31 | 15.38% | 0.93% | 0.93% | 4.45% | 5.69% |
| 2024-09-30 | 16.34% | 1.03% | 0.61% | 2.73% | 5.42% |
| 2024-06-30 | 16.92% | 0.72% | 0.49% | 2.23% | 5.28% |
| 2024-03-31 | 18.69% | 0.42% | 0.60% | 2.61% | 4.93% |
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Frequently asked about MERCHANTS & MARINE BANK
What are Merchants & Marine Bank's total assets?
As of the Q4 2025 filing, Merchants & Marine Bank reported total assets of $940.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Merchants & Marine Bank headquartered?
Merchants & Marine Bank is headquartered in PASCAGOULA, MS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Merchants & Marine Bank founded?
Merchants & Marine Bank was established in 1932, per the FDIC institution directory.
Is Merchants & Marine Bank FDIC-insured?
Yes. Merchants & Marine 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 Merchants & Marine Bank?
Merchants & Marine 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 Merchants & Marine Bank's CET1 capital ratio?
Merchants & Marine Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.83% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Merchants & Marine Bank operate?
Merchants & Marine Bank operates 18 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Merchants & Marine Bank's Texas Ratio?
Merchants & Marine Bank's Texas Ratio is 7.65% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.