Merchants and Planters Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Merchants and Planters Bank of Raymond, MS against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.46% | 1.35% | +0.11% | 61st above |
| ROAE | 8.20% | 12.06% | -3.86% | 27th below |
| Net Interest Margin | 4.28% | 3.90% | +0.38% | 69th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.91% | 63.15% | -0.24% | 45th below |
| PPNR / Avg Assets | 1.89% | 1.64% | +0.25% | 67th above |
| Yield on Earning Assets | 5.03% | 5.65% | -0.62% | 25th below |
| Cost of Funds | 0.89% | 1.85% | -0.96% | 93rd top |
| Net Interest Spread | 3.75% | 3.35% | +0.40% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.19% | 0.67% | -0.48% | 61st above |
| NCO / Avg Loans | -0.08% | 0.15% | -0.23% | 96th top |
| ACL / Total Loans | 2.29% | 1.28% | +1.01% | 96th top |
| Texas Ratio | 0.99% | 7.15% | -6.16% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.17% | 12.46% | +5.71% | 94th top |
| Equity / Assets | 18.31% | 11.67% | +6.64% | 95th top |
| TCE / Tangible Assets | 8.36% | 11.40% | -3.04% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.83% | 78.65% | -18.82% | 83rd top |
| Core Deposit Ratio | 92.65% | 87.09% | +5.56% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.65% | 6.48% | -12.13% | 4th bottom |
| Loan Growth (Y/Y) | -1.94% | 7.64% | -9.58% | 15th bottom |
| Deposit Growth (Y/Y) | -7.53% | 6.03% | -13.56% | 4th bottom |
See Merchants and Planters Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Merchants and Planters Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Merchants and Planters Bank profile, how to read a UBPR, or how this data updates.