Merchants and Planters Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 3.33 percentage points in Q2 2026, from 76.32% to 72.99%. It was the largest change from Q1 2026 among the key lines here. Merchants and Planters Bank ranks 48th of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 59.83% (Q2 2026). Merchants and Planters Bank reported 59.83% on loan-to-deposit ratio for Q2 2026, 21.01 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.8M |
| Net loans and leases | $94.6M |
| Loans held for sale | $0 |
| Loans to total assets | 48.64% |
| Loan-to-deposit ratio | 59.83% |
| Net loans to equity capital | 2.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.46% |
| Multifamily (5+ residential) | 4.03% |
| Commercial and industrial | 12.59% |
| Consumer | 2.17% |
| Credit cards | 0.00% |
| Farm | 10.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.99% |
| Construction concentration (Tier 1 capital + allowance) | 19.97% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.45% |
| Interest income on loans | $1.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $95.9M | $170.2M | 33.53% | 16.48% | 2.97% |
| Q4 2023 | $96.8M | $169.2M | 31.93% | 16.16% | 2.66% |
| Q1 2024 | $95.1M | $159.5M | 35.16% | 15.89% | 2.57% |
| Q2 2024 | $97.3M | $155.5M | 37.52% | 15.74% | 2.67% |
| Q3 2024 | $98.9M | $176.9M | 36.74% | 16.71% | 2.36% |
| Q4 2024 | $95.9M | $200.4M | 35.89% | 16.43% | 2.26% |
| Q1 2025 | $93.9M | $176.3M | 34.47% | 16.34% | 2.31% |
| Q2 2025 | $98.7M | $174.9M | 35.32% | 13.41% | 2.12% |
| Q3 2025 | $98.7M | $184.8M | 33.81% | 12.57% | 2.04% |
| Q4 2025 | $98.2M | $188.7M | 34.47% | 11.93% | 2.17% |
| Q1 2026 | $99.0M | $170.7M | 33.97% | 11.29% | 2.11% |
| Q2 2026 | $96.8M | $161.7M | 33.46% | 12.59% | 2.17% |
Merchants and Planters Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants and Planters Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Merchants and Planters Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 327) · FFIEC NIC profile (RSSD 579636)