Merchants and Planters Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.85 percentage points higher than in Q1 2026, at 59.83%. Merchants and Planters Bank ranks 17th of 57 Mississippi banks on return on assets, in the upper half at 1.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Merchants and Planters Bank sits 0.20 points higher, at 1.46% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.17% |
| Equity capital to assets | 18.31% |
| Tangible equity to tangible assets | 17.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | -0.08% |
| Texas ratio | 0.99% |
| Allowance for credit losses to loans | 2.29% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.46% |
| Return on equity | 8.20% |
| Net interest margin | 4.28% |
| Efficiency ratio | 62.91% |
| Yield on earning assets | 5.03% |
| Cost of funds | 0.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.83% |
| Core deposits to total deposits | 92.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.29% |
| Securities to assets | 37.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.88% | 6.33% | 4.03% | 0.03% | -0.42% |
| Q4 2023 | 16.55% | -2.30% | 3.70% | 0.02% | 0.07% |
| Q1 2024 | 17.12% | 1.42% | 4.31% | 0.02% | 0.02% |
| Q2 2024 | 17.65% | 1.48% | 4.46% | 0.02% | -0.02% |
| Q3 2024 | 17.56% | 1.32% | 4.46% | 0.10% | -0.00% |
| Q4 2024 | 16.07% | 0.43% | 4.28% | 0.10% | -0.01% |
| Q1 2025 | 16.35% | 1.84% | 4.19% | 0.16% | -0.03% |
| Q2 2025 | 16.85% | 1.29% | 4.27% | 0.00% | 0.34% |
| Q3 2025 | 16.65% | 0.92% | 4.11% | 0.00% | -0.02% |
| Q4 2025 | 15.85% | 0.81% | 3.94% | 0.08% | -0.40% |
| Q1 2026 | 16.61% | 1.00% | 4.21% | 0.00% | 0.04% |
| Q2 2026 | 18.17% | 1.46% | 4.28% | 0.00% | -0.08% |
Merchants and Planters Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants and Planters Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)