Merchants and Planters Bank
Raymond, MS
IDRSSD: 579636
Total Assets
$221.65M
Latest filing
Total Deposits
$184.85M
Latest filing
Net Interest Margin
4.12%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Merchants and Planters Bank
308 Raymond Sq
Raymond, MS 39154
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/01/1906FDIC Certificate 263
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Merchants and Planters Bank (Main) | 308 Raymond Sq | Raymond, MS |
| CLINTON BRANCH | 133 Highway 80 E | Clinton, MS |
| BAY SPRINGS BRANCH | 6a N Third St | Bay Springs, MS |
| MAIN OFFICE DRIVE THRU BRANCH | 106 W Main St | Raymond, MS |
| BOLTON BRANCH | 297 W Madison St | Bolton, MS |
| 4266 I-55 NORTH BRANCH | 4266 I-55 North | Jackson, MS |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 02/01/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39154 |
| State and County Number | 28049 |
| 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 | Jackson, MS |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/06/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.mpbank.net |
| Data Updated | 11/14/2025 |
| CERT | 327 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $221.65M |
| Total Deposits | $184.85M |
| Total Liabilities | $185.86M |
| Total Equity Capital | $35.79M |
| Net Income | $500.00k |
| Net Loans and Leases | $96.55M |
| Assets Per Employee ($Millions) | $4.26M |
| Bank Premises and Fixed Assets | $3.34M |
| Cash and Balances due from Depository Institutions | $34.17M |
| Deposits Held in Domestic Offices | $184.85M |
Key Performance Ratios
| Return on Assets (ROA) | 0.92% |
| Return on Equity (ROE) | 5.66% |
| Net Interest Margin | 4.12% |
| Efficiency Ratio | 71.14% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.148% |
| Earning Assets to total Assets | 94.78% |
Income and Expense
| Total Interest Income | $2.60M |
| Total Noninterest Income | $436.00k |
| Total Interest Expense | $514.00k |
| Total Noninterest Expense | $1.87M |
| Net Interest Income | $2.08M |
| Pre-tax Net Operating Income | $653.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $368.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.01M |
| Total Liabilities and Capital | $221.65M |
Securities
| Securities | $79.57M |
| Available-for-sale debt securities | $79.57M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Merchants and Planters Bank?
$221.65M as of the latest filing.
How much are Merchants and Planters Bank's total deposits?
$184.85M in total deposits.
Where is Merchants and Planters Bank located?
Raymond, MS.
What is the Net Interest Margin?
4.12%.
How many domestic offices does it operate?
6.
When was it established?
02/01/1906.
What is the Return on Assets (ROA)?
0.92%.
How much are total loans and leases?
$96.55M (latest filing).
What is the total interest income (latest filing)?
$2.60M.