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Merchants & Marine Bank

Pascagoula, MS
IDRSSD: 94139
Total Assets
$947.47M
Latest filing
Total Deposits
$637.26M
Latest filing
Net Interest Margin
4.63%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/11/1932
Community BankYes
Ownership TypeNot Mutual
ZIP39567
State and County Number28059
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameGulfport-Biloxi, MS

Operational Info

Number of Employees214
Domestic Offices18
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date04/10/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
WebsiteWWW.MANDMBANK.COM
Data Updated11/14/2025
CERT12203
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$947.47M
Total Deposits$637.26M
Total Liabilities$852.12M
Total Equity Capital$95.35M
Net Income$1.43M
Net Loans and Leases$466.75M
Assets Per Employee ($Millions)$4.45M
Bank Premises and Fixed Assets$37.34M
Cash and Balances due from Depository Institutions$63.67M
Deposits Held in Domestic Offices$637.26M

Key Performance Ratios

Return on Assets (ROA)0.6%
Return on Equity (ROE)6.08%
Net Interest Margin4.63%
Efficiency Ratio84.39%
Tier 1 Risk-Based Capital Ratio16.636%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.06%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.064%
Earning Assets to total Assets88.22%

Income and Expense

Total Interest Income$12.67M
Total Noninterest Income$2.21M
Total Interest Expense$2.98M
Total Noninterest Expense$10.04M
Net Interest Income$9.69M
Pre-tax Net Operating Income$1.71M
Provision for Credit Losses$152.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$222.00k
Other borrowed funds$203.76M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$11.10M
Total Liabilities and Capital$947.47M

Securities

Securities$323.55M
Available-for-sale debt securities$304.05M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$19.51M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Merchants & Marine Bank?
$947.47M as of the latest filing.
How much are Merchants & Marine Bank's total deposits?
$637.26M in total deposits.
Where is Merchants & Marine Bank located?
Pascagoula, MS.
What is the Net Interest Margin?
4.63%.
How many domestic offices does it operate?
18.
When was it established?
01/11/1932.
What is the Return on Assets (ROA)?
0.6%.
How much are total loans and leases?
$466.75M (latest filing).
What is the total interest income (latest filing)?
$12.67M.