BlastPoint's Banking Scorecard

Merchants & Marine Bank

$1B-$10B Specialty: Commercial MS FDIC cert 12203

Designations: ✓ Community bank ✓ CDFI-certified

Pascagoula, MS

24 branches across MS · LA · AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 11 in MS.
Deposits +56.8% year over year ($1.0B on the books).
Delinquency rate 1.96%.
Return on assets 2.22%.
Efficiency ratio 75.80% vs a 59.73% peer average.
Loan-to-deposit ratio 67.27% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 11 in MS

View $1B-$10B leaderboard (MS) →

Merchants & Marine Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 5.9% in tier
+ Revenue Diversifier: Top 9.5% in tier
+ Net Interest Margin 0.79% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.10% above tier average
- Efficiency Ratio 16.07% above tier average

Get updates when Merchants & Marine Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$1.3B +42.2% YoY +40.4% QoQ	-$1.4B	$2.8B -0.6% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	25%
Total Loans ?	$677.2M +45.9% YoY +53.0% QoQ	-$1.3B	$2.0B -0.3% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	Bottom 7.0% in tier
Total Deposits ?	$1.0B +56.8% YoY +52.9% QoQ	-$1.3B	$2.3B -0.5% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	17%
Return on Assets ?	2.22% +462.5% YoY	+0.83%	1.39% +17.0% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	Top 6.4% in tier
Net Interest Margin ?	4.66% -11.8% YoY +6.0% QoQ	+0.79%	3.87% +6.2% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	Top 9.3% in tier
Efficiency Ratio ?	75.80% -15.5% YoY -22.4% QoQ	+16.07%	59.73% -12.6% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	Bottom 11.2% in tier
Delinquency Rate ?	1.96% +346.2% YoY +25.2% QoQ	+1.10%	0.87% +11.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	Bottom 9.1% in tier
Loan-to-Deposit Ratio ?	67.27% -7.0% YoY +0.1% QoQ	-17.77%	85.04% -0.1% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	Top 13.0% in tier
Non-Interest-Bearing Deposit Share ?	21.82% +4.5% YoY +10.3% QoQ	+0.55%	21.27% -1.5% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	1.00% +363.5% YoY +38.2% QoQ	+0.32%	0.67% +11.7% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	13.62% -17.2% YoY -11.5% QoQ	-1.22%	14.84% -0.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	1.88% +320.7% YoY +744.2% QoQ	+1.35%	0.53% +2.5% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	Top 2.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Noninterest-Bearing	21.8% +0.9pp YoY +2.0pp QoQ	+0.5pp	21.4%	23.1%	22.2%	59%
Brokered Deposits	n/a	n/a	9.5%	3.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	11.6% -3.3pp YoY -2.8pp QoQ	-2.4pp	14.0%	12.4%	12.5%	53%
CRE	57.7% +0.6pp YoY +1.4pp QoQ	+7.7pp	50.0%	42.3%	41.4%	70%
1-4 Family	25.2% 0.0pp YoY -0.6pp QoQ	-1.2pp	26.4%	33.1%	31.3%	55%
Consumer	2.5% +0.7pp YoY +0.5pp QoQ	-2.2pp	4.7%	5.6%	5.0%	69%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	11.2% -5.2pp YoY -4.2pp QoQ	-4.4pp	15.6%	16.5%	19.7%	13%
Leverage Ratio	8.8% -2.0pp YoY -1.3pp QoQ	-2.5pp	11.3%	11.9%	12.6%	8%
Total Capital Ratio	14.5% -3.1pp YoY -1.7pp QoQ	-2.1pp	16.7%	17.7%	20.8%	47%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	296 +82 (+38.3%) YoY +83 (+39.0%) QoQ	-18	313	297	482	64%
Assets per Employee ($)	$4.6M +2.8% YoY +1.0% QoQ	-$5.9M	$10.5M	$6.2M	$8.8M	2%
Branch Count	24 +6 (+33.3%) YoY +6 (+33.3%) QoQ	+4	20	22	18	74%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	2.0% +1.5pp YoY +0.4pp QoQ	+1.1pp	0.8%	0.9%	1.0%	92%
Allowance Coverage	0.59x -82.1% YoY -24.1% QoQ	-18.12x	18.71x	4.87x	20.23x	9%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.1%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	22.1% +18.7pp YoY +20.7pp QoQ	+9.5pp	12.6%	11.7%	11.6%	94%
Cost of Funds (YTD)	1.4% +0.6pp YoY 0.0pp QoQ	-0.6pp	1.9%	1.8%	1.7%	15%
Net Income ($, YTD)	$12.0M +663.8% YoY — QoQ	-$7.2M	$19.2M	$13.8M	$40.4M	48%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#14 of 222 • Top 5.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.22%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Revenue Diversifier

growth

#22 of 222 • Top 9.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.88%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 2.22%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.88%

Peer Median: 0.53%

#26 of 885 Top 2.8% in $1B-$10B

Return on Assets

profitability

Value: 2.22%

Peer Median: 1.39%

#58 of 885 Top 6.4% in $1B-$10B

Net Interest Margin

profitability

Value: 4.66%

Peer Median: 3.87%

#83 of 885 Top 9.3% in $1B-$10B

116

Loan-to-Deposit Ratio

liquidity

Value: 67.27%

Peer Median: 85.04%

#116 of 885 Top 13.0% in $1B-$10B

Top Weaknesses (5 metrics)

824

Total Loans

size

Value: $677.24M

Peer Median: $1.96B

#824 of 885 Bottom 7.0% in $1B-$10B

803

Delinquency Rate

credit_quality

Value: 1.96%

Peer Median: 0.87%

#803 of 882 Bottom 9.1% in $1B-$10B

787

Efficiency Ratio

profitability

Value: 75.80%

Peer Median: 59.73%

#787 of 885 Bottom 11.2% in $1B-$10B

736

Total Deposits

size

Value: $1.01B

Peer Median: $2.32B

#736 of 885 Bottom 16.9% in $1B-$10B

693

Nonperforming Asset Ratio

credit_quality

Value: 1.00%

Peer Median: 0.67%

#693 of 885 Bottom 21.8% in $1B-$10B