BlastPoint's Banking Scorecard
Merchants and Planters Bank
Micro
Specialty: Commercial
MS
FDIC cert 327
Designations: ✓ Community bank
Raymond, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Merchants and Planters Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.49% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$225.0M
-3.5% YoY
+1.5% QoQ
|
+$7.5M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$96.0M
+2.4% YoY
-0.6% QoQ
|
-$43.2M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$188.7M
-5.8% YoY
+2.1% QoQ
|
+$5.1M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.19%
+7.1% YoY
-9.6% QoQ
|
+0.11% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
4.10%
-6.2% YoY
-0.6% QoQ
|
+0.25% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
65.57%
+0.1% YoY
+3.9% QoQ
|
-2.16% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.08%
-58.7% YoY
|
-0.56% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
50.84%
+8.7% YoY
-2.7% QoQ
|
-23.68% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.27%
-15.7% YoY
-14.6% QoQ
|
+0.88% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.20%
-15.6% YoY
+17.4% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.06%
+30.1% YoY
+22.8% QoQ
|
+0.49% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.06%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.06% · Tier avg: 0.56%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.27% · Tier avg: 22.39%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
57
57th pctile
Total Assets
Current: $225.0M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $188.7M · Tier avg: $183.7M
51
51th pctile
Efficiency Ratio
Current: 65.57% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Total Loans
Current: $96.0M · Tier avg: $139.2M
14
14th pctile
Loan-to-Deposit Ratio
Current: 50.84% · Tier avg: 74.53%
Top Weaknesses
14
14th pctile
Loan-to-Deposit Ratio
Current: 50.84% · Tier avg: 74.53%
42
42th pctile
Total Loans
Current: $96.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Efficiency Ratio
Current: 65.57% · Tier avg: 67.73%
57
57th pctile
Total Deposits
Current: $188.7M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $225.0M · Tier avg: $217.5M
57
57th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.27% · Tier avg: 22.39%
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
93
93th pctile
Non-Interest Income / Assets
Current: 1.06% · Tier avg: 0.56%