Merchants & Marine Bank
Pascagoula, MS
IDRSSD: 94139
Total Assets
$940.07M
Latest filing
Total Deposits
$631.04M
Latest filing
Net Interest Margin
4.51%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
065301362PASCAGOULA, MS065402850PASCAGOULA, MS
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Merchants & Marine Bank
3118 Pascagoula St
Pascagoula, MS 39567
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/11/1932FDIC Certificate 7751
Branches (17)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Merchants & Marine Bank (Main) | 3118 Pascagoula St | Pascagoula, MS |
| GULF SHORES BRANCH | 1820 Gulf Shores Pkwy | Gulf Shores, AL |
| MISSISSIPPI RIVER BANK BRANCH | 8435 Highway 23 | Belle Chasse, LA |
| MAIN STREET BRANCH | 4619 Main St | Moss Point, MS |
| GAUTIER BRANCH | 1200 Highway 90 | Gautier, MS |
| ESCATAWPA BRANCH | 7616 Highway 613 | Moss Point, MS |
| WADE BRANCH | Highway 63 | Wade, MS |
| OCEAN SPRINGS BRANCH | 2008 Bienville Blvd | Ocean Springs, MS |
Showing 7 of 17
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/11/1932 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39567 |
| State and County Number | 28059 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Gulfport-Biloxi, MS |
Operational Info
| Number of Employees | 213 |
| Domestic Offices | 18 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/10/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.MANDMBANK.COM |
| Data Updated | 01/30/2026 |
| CERT | 12203 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $940.07M |
| Total Deposits | $631.04M |
| Total Liabilities | $842.17M |
| Total Equity Capital | $97.90M |
| Net Income | $1.46M |
| Net Loans and Leases | $445.54M |
| Assets Per Employee ($Millions) | $4.43M |
| Bank Premises and Fixed Assets | $38.16M |
| Cash and Balances due from Depository Institutions | $80.43M |
| Deposits Held in Domestic Offices | $631.04M |
Key Performance Ratios
| Return on Assets (ROA) | 0.62% |
| Return on Equity (ROE) | 6.04% |
| Net Interest Margin | 4.51% |
| Efficiency Ratio | 86.14% |
| Tier 1 Risk-Based Capital Ratio | 17.839% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.414% |
| Earning Assets to total Assets | 88.42% |
Income and Expense
| Total Interest Income | $12.31M |
| Total Noninterest Income | $2.08M |
| Total Interest Expense | $2.90M |
| Total Noninterest Expense | $9.89M |
| Net Interest Income | $9.41M |
| Pre-tax Net Operating Income | $1.73M |
| Provision for Credit Losses | $-139,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $201.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $16.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.13M |
| Total Liabilities and Capital | $940.07M |
Securities
| Securities | $319.55M |
| Available-for-sale debt securities | $300.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $19.50M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Merchants & Marine Bank?
$940.07M as of the latest filing.
How much are Merchants & Marine Bank's total deposits?
$631.04M in total deposits.
Where is Merchants & Marine Bank located?
Pascagoula, MS.
What is the Net Interest Margin?
4.51%.
How many domestic offices does it operate?
18.
When was it established?
01/11/1932.
What is the Return on Assets (ROA)?
0.62%.
How much are total loans and leases?
$445.54M (latest filing).
What is the total interest income (latest filing)?
$12.31M.