$207M
−1.9%y/y
Percentile by value62nd percentileby value
FDIC
ASSETMP
Merchants and Planters Bank
Raymond, MississippiFDIC Cert #327
STATEEstablished 19066 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportMerchants and Planters Bank reported $207M in total assets. Deposits declined 3.19% over the prior year.
Return on assets was 1.01%, compared with an asset-peer median of 1.18%. The leverage ratio was 16.61%.
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Tier 1 Leverage Ratio above asset peers?
- Why is Total Assets above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$171M
−3.2%y/y
Percentile by value58th percentileby value
FDIC
DEP$96.8M
+5.5%y/y
Percentile by value40th percentileby value
FDIC
LNLSNET1.01%
−76 bpsy/y
Peer standing41st percentile
FDIC
NETINC + ROA69.50%
+1,406 bpsy/y
Peer standing37th percentile
FDIC
NONIX + NIM + NONII + EEFFR16.61%
+26 bpsy/y
Peer standing91st percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $114M | $102M |
| Q3 2021 | $120M | $106M |
| Q4 2021 | $118M | $106M |
| Q1 2022 | $126M | $115M |
| Q2 2022 | $191M | $161M |
| Q3 2022 | $189M | $161M |
| Q4 2022 | $205M | $176M |
| Q1 2023 | $209M | $179M |
| Q2 2023 | $206M | $177M |
| Q3 2023 | $202M | $170M |
| Q4 2023 | $201M | $169M |
| Q1 2024 | $192M | $159M |
| Q2 2024 | $188M | $155M |
| Q3 2024 | $212M | $177M |
| Q4 2024 | $233M | $200M |
| Q1 2025 | $211M | $176M |
| Q2 2025 | $211M | $175M |
| Q3 2025 | $222M | $185M |
| Q4 2025 | $225M | $189M |
| Q1 2026 | $207M | $171M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $17.2M |
| Investor CRE | $16.4M |
| Multifamily | $3.77M |
| Construction | $7.8M |
| 1–4 family | $30.7M |
| C&I | $11.2M |
| Agriculture | $9.75M |
| Other | $2.14M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.01%41st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE6.09%22nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY4.16%65th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR69.50%37th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP−3.19%9th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+5.54%52nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ16.61%91st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.39%91st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.01%43rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.07%90th 1.90%Observations 57
ROE
FDIC
NETINC + ROE6.09%16th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.64%Median 10.22%90th 17.27%Observations 57
NIM
FDIC
NIM + NIMY4.16%68th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.00%Median 3.91%90th 5.09%Observations 57
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR69.50%38th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 54.71%Median 65.39%90th 83.91%Observations 57
Deposits YoY
FDIC
DEP−3.19%4th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.17%Median +3.57%90th +18.25%Observations 57
Loans YoY
FDIC
LNLSNET+5.54%34th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.53%Median +7.85%90th +21.45%Observations 57
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.74%90th 2.07%Observations 57
Leverage
FDIC
RBC1AAJ16.61%98th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.64%Median 10.99%90th 14.24%Observations 57
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.39%95th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.38%90th 3.09%Observations 57
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 30%Median 148%90th 272%Observations 22
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.01%46th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.45%Median 1.06%90th 2.50%Observations 14
ROE
FDIC
NETINC + ROE6.09%15th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.97%Median 9.43%90th 19.29%Observations 14
NIM
FDIC
NIM + NIMY4.16%54th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.12%Median 3.98%90th 5.46%Observations 14
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR69.50%38th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.68%Median 65.73%90th 83.53%Observations 14
Deposits YoY
FDIC
DEP−3.19%8th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.08%Median +1.15%90th +12.72%Observations 14
Loans YoY
FDIC
LNLSNET+5.54%46th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.72%Median +6.08%90th +13.07%Observations 14
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 1.16%90th 4.77%Observations 14
Leverage
FDIC
RBC1AAJ16.61%92nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.69%Median 12.69%90th 16.37%Observations 14
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.39%92nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.48%Median 2.44%90th 3.11%Observations 14
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 12%Median 42%90th 86%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 6 branches
- Headquarters
- Raymond, MS
FDIC
OFFDOMOpen the Mississippi dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data