BlastPoint's Banking Scorecard
Merchants & Marine Bank
Community
Specialty: Commercial
MS
FDIC cert 12203
Pascagoula, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
Merchants & Marine Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.33% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$940.1M
+31.4% YoY
-0.8% QoQ
|
-$451.4M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$445.5M
-4.2% YoY
-4.5% QoQ
|
-$529.9M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$631.0M
+4.1% YoY
-1.0% QoQ
|
-$533.6M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.52%
-33.8% YoY
+8.7% QoQ
|
-0.64% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
4.99%
-11.3% YoY
-2.6% QoQ
|
+1.33% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
87.44%
+3.2% YoY
-0.5% QoQ
|
+24.81% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
1.77%
+68.8% YoY
+10.2% QoQ
|
+1.15% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
70.60%
-8.0% YoY
-3.6% QoQ
|
-12.46% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
18.13%
-6.9% QoQ
|
-2.91% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.84%
+23.0% YoY
+3.0% QoQ
|
+0.34% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
17.83%
+16.0% YoY
+7.2% QoQ
|
+7.59% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.91%
-35.2% YoY
+33.3% QoQ
|
+0.17% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 6%
in Community
Why this stands out
Current:
4.99%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (1)
Efficiency Drag
risk
#28 of 152 · Bottom 18% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
87.44%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.66%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.83% · Tier avg: 10.24%
83
83th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.74%
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.60% · Tier avg: 83.06%
45
45th pctile
Total Assets
Current: $940.1M · Tier avg: $1.4B
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.13% · Tier avg: 21.05%
31
31th pctile
Total Deposits
Current: $631.0M · Tier avg: $1.2B
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.50%
22
22th pctile
Total Loans
Current: $445.5M · Tier avg: $975.5M
12
12th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.63%
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 87.44% · Tier avg: 62.63%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 87.44% · Tier avg: 62.63%
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
12
12th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.63%
22
22th pctile
Total Loans
Current: $445.5M · Tier avg: $975.5M
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.50%
31
31th pctile
Total Deposits
Current: $631.0M · Tier avg: $1.2B
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.13% · Tier avg: 21.05%
45
45th pctile
Total Assets
Current: $940.1M · Tier avg: $1.4B
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.60% · Tier avg: 83.06%
83
83th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.74%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.83% · Tier avg: 10.24%
94
94th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.66%