🏦Bank Scorer

MERCHANTS & MARINE BANK

PASCAGOULA, MS · Supervised by FDIC

Est. 1932FDIC #12,203RSSD: FDIC-12203
Part ofMERCHANTS&MARINE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.15%

Institution Profile

FDIC BankFind

Address

3118 Pascagoula St, PASCAGOULA, MS

County

Jackson County

Established

January 11, 1932

Total Assets

$961M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$961M

Total Deposits

$659M

Net Loans

$443M

Net Income

$354K

ROA

0.15%

ROE

1.45%

Risk-Based Capital

16.28%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.93%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$642M

1-Year Change

0

5-year net change: +5 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202434768.88%8.93%
202335277.27%7.39%
202233372.97%7.51%
202128986.85%4.50%
202020791.79%3.38%
201921986.3%4.57%
201827786.28%3.97%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

13 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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