Merchants and Planters Bank
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Data as of · sourced from FFIEC call reports. How we update
Merchants and Planters Bank is an FDIC-insured commercial bank headquartered in Raymond, MS, established in 1906 (FDIC certificate 327), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $199.0M, down 5.6% from Q2 2025, the 49th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 327
- Headquarters
- Raymond, MS
- Established
- 1906
- Total assets, Q2 2026
- $199.0M
- Assets vs Q2 2025
- -5.6%
- Tier 1 leverage ratio, Q2 2026
- 18.17%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 065303807
- Latest call report
- Q2 2026, FFIEC 051 · Merchants and Planters Bank call report
- Asset rank in state
- 49th of 57 in Mississippi
Merchants and Planters Bank, based in Raymond, Mississippi, reported $199 million in assets at June 30, 2026, down 5.6% from a year earlier. It pays an average of 0.89% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 18.17% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
The balance sheet shrank over the year: over the year loans fell 1.9% and deposits fell 7.5%.
As of June 30, 2026, Merchants and Planters Bank reported a return on assets of 1.46%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.99%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Merchants and Planters Bank is the 49th largest of the 57 banks headquartered in Mississippi. Between Q1 2026 and Q2 2026, its total assets fell 4.0% to $199.0M, loans fell 2.2% and deposits fell 5.2%. 1-4 family residential loans made up 29.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.4%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in MS; its Raymond 2 offices book 51% of its branch deposits. On its Q2 2026 call report, Merchants and Planters Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 308 Raymond Sq, Raymond, MS 39154
- County
- Hinds
- Metro Area
- Jackson, 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
- February 1, 1906
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $161.7M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $203.1M
- Average total loans
- $96.9M
- Average interest-bearing deposits
- $117.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 327
- Fed RSSD
- 579636
- Website
- http://www.mpbank.net →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Merchants and Planters Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Merchants and Planters Bank's total assets moved between a low of $188.3M (Q2 2024) and a high of $233.2M (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$199.0M total assets against $210.9M; $162.5M total liabilities against $176.0M.
$94.6M net loans and leases against $96.6M; $161.7M total deposits against $174.9M.
$73.6M securities against $66.6M; $19.6M cash and balances due against $35.9M.
$2.5M total interest income against $2.6M; $372K total interest expense against $474K.
$2.1M net interest income against $2.1M.
$702K total noninterest income against $530K; $1.9M total noninterest expense against $1.8M.
$0 provision for credit losses against $0.
$740K net income against $682K.
1.46% return on assets against 1.29%; 4.28% net interest margin against 4.27%.
18.17% tier 1 leverage ratio against 16.85%.
Inside the full Merchants and Planters Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMerchants and Planters Bank rankings
Its closest position to the top of a national ranking is 1,407 of 3,611, for ROA; its furthest is 2,677 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.43% (Q4 2024) to 1.84% (Q1 2025) and its net interest margin ran from 3.94% (Q4 2025) to 4.46% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.17% | 1.46% | 0.00% | 0.99% | 4.28% |
| Q1 2026 | 16.61% | 1.00% | 0.00% | 1.20% | 4.21% |
| Q4 2025 | 15.85% | 0.81% | 0.08% | 1.22% | 3.94% |
| Q3 2025 | 16.65% | 0.92% | 0.00% | 1.02% | 4.11% |
| Q2 2025 | 16.85% | 1.29% | 0.00% | 1.06% | 4.27% |
| Q1 2025 | 16.35% | 1.84% | 0.16% | 1.52% | 4.19% |
| Q4 2024 | 16.07% | 0.43% | 0.18% | 1.67% | 4.28% |
| Q3 2024 | 17.56% | 1.32% | 0.10% | 1.36% | 4.46% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Merchants and Planters Bank (main office) | Raymond , MS | 39154 | $82.7M |
| Bay Springs Branch | Bay Springs , MS | 39422 | $35.2M |
| Clinton Branch | Clinton , MS | 39056 | $18.0M |
| 4266 I-55 North Branch | Jackson , MS | 39211 | $15.6M |
| Bolton Branch | Bolton , MS | 39041 | $10.2M |
| Main Office Drive Thru Branch | Raymond , MS | 39154 | $0 |
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 |
|---|---|---|---|
| May 21, 2022 | Structure Change | Acquired OmniBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1987 | Structure Change | Acquired The Merchants Bank, Bolton, Mississippi Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MS, rank 60 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Merchants and Planters Bank
What are Merchants and Planters Bank's total assets?
As of the Q2 2026 filing, Merchants and Planters Bank reported total assets of $199.0 million in its FFIEC call report.
Where is Merchants and Planters Bank headquartered?
It is headquartered in Raymond, MS, United States.
When was Merchants and Planters Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Merchants and Planters Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Merchants and Planters Bank?
Merchants and Planters Bank's primary federal regulator is the FDIC.
How many branches does Merchants and Planters Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Merchants and Planters Bank's Texas Ratio?
Its Texas Ratio is 0.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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