Merchants and Planters Bank

Raymond, MississippiFDIC Cert #327

STATEEstablished 19066 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
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

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$99M

+5.4%y/y

Percentile by value40th percentileby value

FDICLNLSGR

Net loans

$96.8M

+5.5%y/y

Percentile by value40th percentileby value

FDICLNLSNET

Loans YoY

+5.54%

+467.4%y/y

Percentile by value52nd percentileby value

FDICLNLSNET

L/D

56.7%

+9.0%y/y

Percentile by value21st percentileby value

FDICLNLSNET + DEP

Loans/assets

46.7%

+7.5%y/y

Percentile by value17th percentileby value

FDICLNLSNET + ASSET

RE loans %

88.55%

+6.5%y/y

Percentile by value68th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,844points

+12.2%y/y

Peer standing81st percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

17.42%

+4.6%y/y

Percentile by value82nd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

16.55%

−7.2%y/y

Percentile by value78th percentileby value

FDICLNRENROT + LNLSGR

C&I %

11.29%

−30.9%y/y

Percentile by value61st percentileby value

FDICLNCI + LNLSGR