BlastPoint's Banking Scorecard
Merchants and Planters Bank
Raymond, MS
6 branches across MS
Merchants and Planters Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 1.0% in tier
- - Deposit Outflow: Bottom 14.0% in tier
- - Flatlined Growth: Bottom 19.3% in tier
- - Cost Spiral: Bottom 95.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$207.2M
-1.9% YoY
-7.9% QoQ
|
-$178.9M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$96.8M
+5.5% YoY
+0.8% QoQ
|
-$158.9M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$170.7M
-3.2% YoY
-9.6% QoQ
|
-$157.3M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
1.01%
-43.2% YoY
-15.5% QoQ
|
-0.26% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
4.16%
+1.6% YoY
+1.3% QoQ
|
+0.23% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
69.50%
+25.4% YoY
+6.0% QoQ
|
+4.21% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
56.69%
+9.0% YoY
+11.5% QoQ
|
-19.94% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
30.40%
-6.3% YoY
+30.6% QoQ
|
+8.38% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.21%
-14.5% YoY
+7.6% QoQ
|
-0.43% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
16.61%
+1.6% YoY
+4.8% QoQ
|
+0.78% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.20%
-55.6% YoY
-81.3% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
Top 14.6% 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 (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.