BlastPoint's Banking Scorecard
Merchants & Marine Bank
Designations: ✓ CDFI-certified
Pascagoula, MS
24 branches across MS · LA · AL
Merchants & Marine Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.47% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 33.6% in tier
- - Return on Assets 1.12% below tier average
- - Delinquency Rate 0.68% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$960.8M
+31.7% YoY
+2.2% QoQ
|
+$574.7M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
Top 1.1% in tier |
| Total Loans ? |
$442.8M
-3.9% YoY
-0.6% QoQ
|
+$187.0M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
84% |
| Total Deposits ? |
$658.5M
+6.0% YoY
+4.4% QoQ
|
+$330.6M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
Top 9.2% in tier |
| Return on Assets ? |
0.15%
-67.2% YoY
-71.4% QoQ
|
-1.12% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.5% in tier |
| Net Interest Margin ? |
4.40%
-22.4% YoY
-11.9% QoQ
|
+0.47% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
97.65%
+7.1% YoY
+11.7% QoQ
|
+32.36% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate ? |
1.57%
+163.5% YoY
-11.7% QoQ
|
+0.68% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
67.23%
-9.4% YoY
-4.8% QoQ
|
-9.41% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
19.78%
+9.1% QoQ
|
-2.24% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.72%
+92.2% YoY
-14.1% QoQ
|
+0.08% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
15.38%
-3.8% YoY
-13.7% QoQ
|
-0.45% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.22%
-20.2% YoY
-75.4% QoQ
|
-0.06% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
Top 11.3% in tier |
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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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.