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Merchants and Planters Bank

$100M-$1B Specialty: Commercial MS FDIC cert 327

Raymond, MS

6 branches across MS

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
  • Deposits -7.5% year over year ($161.7M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.22%.
  • Efficiency ratio 66.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 58.46% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 39 in MS
View $100M-$1B leaderboard (MS) →

Merchants and Planters Bank has 3 strengths but faces 3 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

  • + Revenue Diversifier: Top 45.4% in tier
  • + Delinquency Rate 0.92% below tier average
  • + Net Interest Margin 0.30% above tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 8.8% in tier
  • - Cost Spiral: Bottom 52.2% in tier
  • - ROA 0.10% below tier average
Get updates when Merchants and Planters 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 ? $199.0M
-5.6% YoY -4.0% QoQ
-$187.6M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $94.6M
-2.1% YoY -2.3% QoQ
-$163.8M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $161.7M
-7.5% YoY -5.2% QoQ
-$165.0M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
24%
Return on Assets ? 1.22%
-20.0% YoY +21.3% QoQ
-0.10% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 4.29%
+2.2% YoY +3.1% QoQ
+0.30% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
70%
Efficiency Ratio ? 66.17%
+11.1% YoY -4.8% QoQ
+1.69% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 58.46%
+5.9% YoY +3.1% QoQ
-19.49% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
85%
Non-Interest-Bearing Deposit Share ? 29.21%
-4.0% YoY -3.9% QoQ
+7.18% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 0.19%
+5.1% YoY -12.3% QoQ
-0.48% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 18.17%
+7.8% YoY +9.4% QoQ
+2.26% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.56%
-19.9% YoY +182.5% QoQ
-0.01% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
Top 7.8% 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 29.2%
-1.2pp YoY
-1.2pp QoQ
 +7.1pp 22.1% 23.1% 22.2% 80%
Brokered Deposits n/a n/a 7.9% 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 12.9%
-0.8pp YoY
+1.3pp QoQ
 +1.3pp 11.6% 12.4% 12.5% 68%
CRE 46.6%
-3.8pp YoY
-0.1pp QoQ
 +7.0pp 39.5% 42.3% 41.4% 65%
1-4 Family 30.1%
+4.4pp YoY
-1.6pp QoQ
 -2.5pp 32.6% 33.1% 31.3% 52%
Consumer 2.2%
+0.1pp YoY
+0.1pp QoQ
 -1.9pp 4.1% 5.6% 5.0% 51%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 18.2%
+1.3pp YoY
+1.6pp QoQ
 +6.0pp 12.2% 11.9% 12.6% 95%
Total Capital Ratio n/a n/a 19.9% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 50
-2 (-3.8%) YoY
+1 (+2.0%) QoQ
 -9 58 297 482 53%
Assets per Employee ($) $4.0M
-1.9% YoY
-5.9% QoQ
 -$3.5M $7.5M $6.2M $8.8M 4%
Branch Count 6
0 YoY
0 QoQ
 +1 4 22 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 4.87x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 9%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 7.1%
-2.7pp YoY
+1.0pp QoQ
 -5.1pp 12.2% 11.7% 11.6% 22%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.8% 1.7% 5%
Net Income ($, YTD) $1.3M
-22.9% YoY
— QoQ
 -$1.3M $2.6M $13.8M $40.4M 35%

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 (1)

Revenue Diversifier

growth
#301 of 661 • Top 45.4% 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: 0.56%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.22%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Deposit Outflow

decline
#48 of 535 • Bottom 8.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Cost Spiral

risk
#73 of 138 • Bottom 52.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 66.17%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
208
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.57%
#208 of 2643 Top 7.8% in $100M-$1B
408
Loan-to-Deposit Ratio
liquidity
Value: 58.46%
Peer Median: 77.95%
#408 of 2643 Top 15.4% in $100M-$1B
490
Tier 1 Capital Ratio
capital
Value: 18.17%
Peer Median: 15.91%
#490 of 2643 Top 18.5% in $100M-$1B
536
Non-Interest-Bearing Deposit Share
funding
Value: 29.21%
Peer Median: 22.03%
#536 of 2643 Top 20.2% in $100M-$1B

Top Weaknesses (2 metrics)

2207
Total Loans
size
Value: $94.56M
Peer Median: $258.35M
#2207 of 2643 Bottom 16.5% in $100M-$1B
1999
Total Deposits
size
Value: $161.75M
Peer Median: $326.73M
#1999 of 2643 Bottom 24.4% in $100M-$1B
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