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Merchants And Marine Bank

IDRSSD: 94139
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. No anomalies triggered this quarter.

Summary

RSSD 94139 held $960.8M in total assets as of 2026-03-31 (+2.2% quarter-over-quarter). Total loans stood at $442.8M (-0.6% QoQ) and total deposits at $658.5M (+4.4% QoQ).

Overall position is adequate — the composite Health Score is 51/100 (Adequate). Tier 1 / RWA stands at 16.15%, in the above median of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

No Quarterly Anomaly Alerts were triggered this quarter — the metric grid did not breach any of the Cliff Drop, Peer Outlier, or Threshold Crossing rules.

Headline KPIs

Health Score
51/100
Adequate
Active Alerts
0
No anomalies
Total Assets
$960.8M
+2.2% QoQ
Total Loans
$442.8M
-0.6% QoQ
Total Deposits
$658.5M
+4.4% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

No Quarterly Anomaly Alerts this quarter. The metric grid did not breach any of the Cliff Drop, Peer Outlier, or Threshold Crossing rules.

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
16.15%
69th pctile · n=332↑ better
-169 bp QoQ
CET1 / RWA
16.15%
80th pctile · n=500↑ better
-169 bp QoQ
Total RBC / RWA
17.09%
67th pctile · n=332↑ better
-179 bp QoQ
Tier 1 Leverage Ratio
16.15%
80th pctile · n=500↑ better
-169 bp QoQ

Liquidity

Cash / Assets
11.87%
78th pctile · n=500↑ better
+332 bp QoQ
Loans / Deposits
67.23%
19th pctile · n=498↓ better
-337 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.55%
82th pctile · n=500↓ better
-14 bp QoQ
NPA / Assets
0.72%
72th pctile · n=500↓ better
-9 bp QoQ
Texas Ratio (regulatory)
6.85%
75th pctile · n=500↓ better
-67 bp QoQ
Net Charge-Offs / Avg Loans
-0.03%
7th pctile · n=500↓ better
-107 bp QoQ
ALLL Coverage of NPL
77.35%
25th pctile · n=500↑ better
+706 bp QoQ

Earnings

Net Interest Margin
4.40%
83th pctile · n=500↑ better
-11 bp QoQ
Return on Assets
0.15%
4th pctile · n=500↑ better
-47 bp QoQ
Return on Equity
1.45%
5th pctile · n=500↑ better
-459 bp QoQ
Efficiency Ratio
97.65%
98th pctile · n=500↓ better
+1151 bp QoQ
Pre-tax NOI / Avg Assets
0.12%
4th pctile · n=500↑ better
-61 bp QoQ

Funding

Brokered / Deposits
0.00%
21th pctile · n=498↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
22.75%
100th pctile · n=500↓ better
-112 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
32.38%
87th pctile · n=500↑ better
-161 bp QoQ
AFS Securities / Assets
30.46%
89th pctile · n=500↑ better
-146 bp QoQ
HTM Securities / Assets
1.92%
81th pctile · n=500↑ better
-15 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.
Build notes
  • Peer cohort lookup failed (Connection terminated unexpectedly); percentile rankings unavailable this quarter.

Generated: 2026-05-14 13:20:40 UTC